Faiqah Mohd Sokris, Ab Rahim Ibrahim, and Sazelin Arif. “FACTORS INFLUENCING HIYAL APPROACH IN ISLAMIC BANKING INDUSTRY MALAYSIA”. Journal of Human Capital Development (JHCD), vol. 17, no. 1, June 2024, pp. 88-104, https://jhcd.utem.edu.my/jhcd/article/view/6467.