“Financial Comfort Zone and the Academic Learning Ethos of KIP-Kuliah Scholarship Recipients: A Phenomenological Study in the Perspective of Islamic Values”. AL GHAZALI: Jurnal Pendidikan Dan Pemikiran Islam, vol. 6, no. 4, June 2026, pp. 1347-58, https://doi.org/10.69900/ag.v6i4.648.