N. Abd Wahab, S. A. . Bin-Nashwan, M. N. . Chik, and M. Y. . Mohd Hussin, “Islamic Social Finance Initiatives: An Insight into Bank Islam Malaysia Berhad’s Innovative BangKIT Microfinance Product ”, IJIF, vol. 15, no. 1, pp. 22–35, Mar. 2023.