El Fatihah Djovana, A. and Rahman, S. A. (2025) “Optimization of Savings (Tawfir) Through Encouraging a Savings Habit”, Proceedings Of International Conference On Islamic Counseling Studies (ICONICS), 2, pp. 87-94. Available at: https://proceedings.uinsa.ac.id/index.php/ICONICS/article/view/3597 (Accessed: 22February2026).