Dr. Qaisar Bilal, Dr. Sadiq Ali, and Mr. Nisar Mehmood. “The Drives Behind Extension of Islamic Financing Models towards Local Businesses [low and Average Earners] in Connection With Shariah Governance and National Regulations”. Acta-Islamica, vol. 9, no. 2, Feb. 2022, pp. 1-9, http://www.aisbbu.com/index.php/ai/article/view/94.