INOVASI SALAM SEBAGAI ALTERNATIF TAWARRUQ DALAM PRODUK PEMBIAYAAN PERIBADI ISLAM: TINJAUAN LITERATUR: SALAM INNOVATION AS AN ALTERNATIVE TO TAWARRUQ IN ISLAMIC PERSONAL FINANCING PRODUCTS: LITERATURE REVIEW. INPAC E-Proceedings. 2026;6(1):158-165. Accessed January 24, 2026. https://fsuproceedings.usim.edu.my/index.php/inpac/article/view/186