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Muhamad Abduh, Mohd Azmi Omar, Jarita Duasa IIUM Institute of Islamic Banking and Finance, International Islamic University Malaysia Phone: 03-2082-2809,

Muhamad Abduh, Mohd Azmi Omar, Jarita Duasa IIUM Institute of Islamic Banking and Finance, International Islamic University Malaysia Phone: 03-2082-2809,

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Muhamad Abduh , Mohd Azmi Omar, Jarita Duasa IIUM Institute of Islamic Banking and Finance, International Islamic University Malaysia

Muhamad Abduh , Mohd Azmi Omar, Jarita Duasa IIUM Institute of Islamic Banking and Finance, International Islamic University Malaysia

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