Mohammad Zain, Eni Noreni, Puspa Liza Ghazali, and Wan Mohd Nazri Wan Daud. 2022. “Factors Contributing to Non-Performing Financing: Evidence from Islamic Banks in Malaysia before Pandemic”. International Journal of Islamic Business and Management Review 2 (2):157-62. https://doi.org/10.54099/ijibmr.v2i2.363.