“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, vol. 6, no. 1, pp. 158–165, Jan. 2026, Accessed: Jan. 24, 2026. [Online]. Available: https://fsuproceedings.usim.edu.my/index.php/inpac/article/view/186