Auwal Adam Sa’ad, Khaliq Ahmad, and Abdulmajid Obaid Hasan Saleh. 2019. “P2P ISLAMIC FINTECH INVESTMENT INNOVATION. A PROPOSAL OF MUSHĀRAKAH SMART CONTRACT MODEL FOR SMES FINANCING AND SOCIAL DEVELOPMENT”. Al-Shajarah: Journal of the International Institute of Islamic Thought and Civilization (ISTAC), October. https://doi.org/10.31436/shajarah.v0i0.901.