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). doi: 10.31436/shajarah.v0i0.901.