BRIDGING INSTITUTIONAL GAPS IN ZAKAT DISTRIBUTION FOR FINANCIAL RESILIENCE: ADDRESSING RISING INDEBTEDNESS IN ISLAMIC FINANCIAL INSTITUTIONS. j. ftw. mgt. res. [Internet]. 2026 Sep. 30 [cited 2026 Sep. 30];31(3):189-20. Available from: https://jfatwa.usim.edu.my/index.php/jfatwa/article/view/864