Tijjani Muhammad, Fahd Al-Shaghdari, and Besar Bin Ngah. “Role of Islamic Financial Institutions in Addressing Financial Exclusion: A Methodological Mix Approach”. AZKA International Journal of Zakat & Social Finance, vol. 4, no. 2, Aug. 2023, pp. 161-98, doi:10.51377/azjaf.vol4no2.171.