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 [Internet]. 2026 Jan. 9 [cited 2026 Jan. 24];6(1):158-65. Available from: https://fsuproceedings.usim.edu.my/index.php/inpac/article/view/186