Auwal Adam Sa’ad, Khaliq Ahmad, and Abdulmajid Obaid Hasan Saleh. “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 Civilisation (ISTAC), Oct. 2019, doi:10.31436/shajarah.v0i0.901.