CINXE.COM
Just a moment...
<!DOCTYPE html><html lang="en-US"><head><title>Just a moment...</title><meta http-equiv="Content-Type" content="text/html; charset=UTF-8"><meta http-equiv="X-UA-Compatible" content="IE=Edge"><meta name="robots" content="noindex,nofollow"><meta name="viewport" content="width=device-width,initial-scale=1"><style>*{box-sizing:border-box;margin:0;padding:0}html{line-height:1.15;-webkit-text-size-adjust:100%;color:#313131;font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,Noto Sans,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji}body{display:flex;flex-direction:column;height:100vh;min-height:100vh}.main-content{margin:8rem auto;max-width:60rem;padding-left:1.5rem}@media (width <= 720px){.main-content{margin-top:4rem}}.h2{font-size:1.5rem;font-weight:500;line-height:2.25rem}@media (width <= 720px){.h2{font-size:1.25rem;line-height:1.5rem}}#challenge-error-text{background-image:url(data:image/svg+xml;base64,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);background-repeat:no-repeat;background-size:contain;padding-left:34px}@media (prefers-color-scheme:dark){body{background-color:#222;color:#d9d9d9}}</style><meta http-equiv="refresh" content="120"></head><body class="no-js"><div class="main-wrapper" role="main"><div class="main-content"><noscript><div class="h2"><span id="challenge-error-text">Enable JavaScript and cookies to continue</span></div></noscript></div></div><script>(function(){window._cf_chl_opt={cvId: '3',cZone: "publications.waset.org",cType: 'non-interactive',cRay: '9135337b2d443dad',cH: 'cYhyDUzx9f3wruFyLyfCEp7spg1mOE9t9MdJYQekvnc-1739789265-1.2.1.1-5LUTgJPtYlF_Y5awjdmSqDZyuJk6rySkkHE100swcy9sje5OZ_wP_V31UYGgLW8T',cUPMDTk: "\/abstracts\/search?q=Islamic%20financial%20services&__cf_chl_tk=0QIiNLtM4A6mp9cX6byJelxEVqRy6wursWOwl2HROko-1739789265-1.0.1.1-9G04A6vQ6aUSXeyGldj838HJbnbdZS1IVRSLyDG3mUg",cFPWv: 'b',cITimeS: '1739789265',cTTimeMs: '1000',cMTimeMs: '120000',cTplC: 0,cTplV: 5,cTplB: 'cf',cK: "",fa: "\/abstracts\/search?q=Islamic%20financial%20services&__cf_chl_f_tk=0QIiNLtM4A6mp9cX6byJelxEVqRy6wursWOwl2HROko-1739789265-1.0.1.1-9G04A6vQ6aUSXeyGldj838HJbnbdZS1IVRSLyDG3mUg",md: "ItqNe8cqVnE4fQORNRPV3i.VARhMXgrxPCB1l8o5jmU-1739789265-1.2.1.1-mzVQXkL5PVyjdca2jmNZvb5Rfr_T3.BAU5KIIEtQz2epl6quFD7xcXSzwbacnGsH.TJ1q3Qc.n7SyTyXz6gLwRF4dtKjN6aVXjMZq.EatutjFK6au1ZSWf6zApOuYwiwG5kiffBlTh09iJNJNbdWv_nOZldTIgznGFqXLm0Do1yR.DIqPfX7mqjPQ57phmrYGzwKVmfRFPaLWb.jm0XwFIos0Z052cFFzzgTtiVxnHE3UXjEQHDROJje5DzksGBMjZWC23CYp4Ej6h9j9bg5sJvni2IN_v0McJjeDDLI.AuCZFFgZyYxHHM583QvE1mwNbmNbYoMkHmAPhIsa97sgcrGLbH5GVAx0gN0ulGGInw8YpwWSb0L6CVtdSlsvImH4Tmq.toQoSTgrZ4r_FRbTKG8KY3JHOLWAXYo0ChazIc3g0x6LV_B5z8S6FMMD_yvsT.BJY3Czprkx2tX1vljbJ.YlsQ2OwhBcIKvcV872iIcs1bRGQ9TIMSd9l379V4uFXZc_UicnRn6muKge3TfqXDJz5aoGEhdtdjRcxryxNWhI.JGqfIYyPK8jFmRGkio33UIPOn1IhCJq.wXUEnMCWmky5mYNurHdBxhLNozQ74R5FHP5sSgNoPfRbkhT2sXP6xVz4gKEA4jAHl6BEByyuOSc1WBvz5gcnpdxG9aXE2IcaNtsEmQSgPF7ZTSNnC0A4957QYcrZVqo1.jkIJMohaWwqZPrDn4SBaJb7LtwZ8XMMSahy6_bEZND7xbZhYZM1CbcMSD8Hq0nE0EVYIfGndmTIDpzI6w53JjMtdVKeaia9pi_IIrfpe5g4mmTmSAG1ncWlXUqMW2B3fnLPmayNySFsL2tZy5Ho5maHQZXcFS_ceLhtEjTRAVGJuBHs4_TciBKhR5C8rEdiHFY6gSbDt6qhdfePGVKdRpn0kj9Euo8KzCalUJ._BmAL0ZYNZNezXLxn6ypKJGfoBrx41KD4FMTbDhaKBr_hu4YQ.ax4WobNn5tyQCLiIwr_CsfO28joEJFtpTZZA.tzmd5ir7TxXATsTgB87INCQtj87sZTAU_xSOBH2fjlWxT6smeF48AICR35.UbUJrKTjb5NaASO_0fBvnAIuntpl478jfS4CsSOudhM0fO2BnyVhSUu8W0u8hU2xviNvn777JQspdH.C.3lcFZ3vYl9Ydk_RBXPDKV1sxLiG6a.i1MW04YilCn5qm7k8MXyaRNMkfRb7sEQQSC0Kt5VdviuL21sdpoaQGKs13xREQ5AzI3HHlV07hIHOnjt8YQtMdY6Rz.2OuUKTVKQzFuRCcMNSETPpVbIGE1uTPH1PJzm9R5Cih3TPjpGg6rs18BovWfMU9iSrCEGLnE3C4S9CtxUq4UDbpr.UFurC6asSBBk8wRteS5d627aCah2w76yqvGqQz5wvb1YpdFe1S7h.Pepyt7vx9L2875BskXf4v7pzQWD7chJZHdmtgk5zfCzW3FfBtUEtmTQBpFcqTQjXIQZFiA_Kg7dlg.k3kbnMntCais2ysy61g7_ey2UoNQSXJxDRLtt.lQNZsqEJFn3KVfg9wwI.ojXQscuqJuBxfPnbB52LJ5J3N.h2TxgnLbGdIway9iaIbJJIVjH5H3XBka38m1NYmUEhV4ieLfsMqEwoJ6FKIVahHb6vWz8p3EWDCSrCsWNPOEy7b4iTUSd1vGXP7pBDMKV7gOyd60dCv5Qm2.bAryXIgdKQKnokepGzPQHNBKd.cD4Ms7FKalKrVHHMm_iSceCfWXJ9gAWfF1KkStWMBDP7cBf.6SfWka9KpWhOMP2AGjZZptrFWHiKoUf7VTCJH2WuQdKrkP8WHuPAuqfnJ8VU4jMpTYSFOFihF_w934vQpbzUSBoVv0066ZRWif35VB25TDxKVhWSQUc_Etwhb1VsqhNHI7joYGWF4s92PcbD71DudiyACOzprZH8kfkN8ERGGV2cpvcX6.zAbJgx0FXzoGXS6TbPy5uGGvfuEbhGyJA",mdrd: "TzwSYD882IwdK_i5nGM7b.APZU.xJvvMBR0yGXvy.3I-1739789265-1.2.1.1-x2D.qZpRpxtxKnNzTEbDkQZh9r1R3.EoddepZFQEzBDIQl637ORnG8PbhqGKCwi6U8mF.45GN.iHvsb52BKiDEaqTJ6Qw.81pzImHfWd6Fhvvkpzkwl2_0hg0FkRpyJ1r8g76LrayOD3JhV1n1T5KDEHUWXvzgFDZ391Q6.7YjG6NEI0wNmKBIx96oQ.FwBjApJQ85kfuxzhlD1dkwYUuOxfSZ7y.lEjWN0FriXYzO7EIc9xiDg54cfCxZKb02qcDXebbS1KLPhuYA44yFaz3lLZDdxMiKmvJTNdDjULtr8PDXu6FoxDkcbOg4hBMyen_rthiFZPueRxUuyLdzpaJm4TrqtY4RBIiqtDXCre54OkaZLQFa5p.sDIBY5uhFNVypXEPwmLioeW5TDVgFqnGwZYy4ksu5G2Z1nDx4m9dvCJPzJVnKqiiIYn4Fl7_nwZyz5nrKLfZ8VNVZJK0BoCQvJzz5kVfhqRtPuX0MiEMPMZjFMG5Q5s9i8T7Meguv1iw16Zx83x7kUwQPERm2LVd1Ankb3WVxIVCLvLoaEvjLffiWF4Ze.MD.Tf_HvrkU1WEbP_vU7F.2jT.ECsz8BVOhO9ONLwW.5v1pz7P6yOzikXwCI2EMSyyqSzTTwYrVT9OEU4K8RBa2yGZoAG_5ECwSNTJFrDReSBs0TXFmXub4IlfKR4TvDmi0wsruq5EM0too7Ebdgh5BOpT5slntoXPxTxdSaHupMaoukmxMDYQ9a_owq1oQuWC5X2qAblIP.IhFCVFwdL.FW_GutWxECuQXM65THl8Bv7ZaDXlQVq18ughKzvOAMjlP9oqSadYjjXd1nBK3UFqTyzb2nhcsUckWCxDiDcIxLq1o9tvMWpOT0GGkYak9ljRXoymAxL001zmGec8yqvJdH0VodMovD4EGXPt5QBgK9ihHTkwn0DhiWib_hnXhy7mkJzari1vnMHGc5v5ZJqYwiFPynDjx5S5FWNPpdNlEph37Wm6jYonYRqdTHZBBCHMvgn1NncDR2JgeUoJ5ND7hOpslrOUGkG7cs5cQc1K.v6uPO3rYgdfM7LXUDIBnEl.b6Lf26YhJNfgRhiITAKF0bgZaKzJRCq0zkb3x.Gh6fYnffPRjDMnnhgsBLlmr090rpD2ktXmNXdhInflGypqn8R67CNdRq1uZcRwyL0h5mT1LvP.o7OTLl9fNMUMLu7z84Uz5d9DcYxdPBZ01mMk_JN4xFzgKykWt7KMoKcTvIdbezw.m3AWtf64l7xgrtpwJxDLFc7Tuo9RRxLJHUv2GccJ_pL.nfDaMJZF08hd16DF6_uJ79TzOqia2z_MDXSY1f.hLROLQisEi4gSydVzLu00noM9op33TYrpcyfRH33JyEL48sMcnM2WVjtTVTQzWWv3gq5vYvpNA_Q4YPKYFqi12LC4hxVl4SyL4wLPY6ta94EaEH5TLn5EvUbj78MAVhhJ0Sdccy4XlCkxtCPFbqtHo8O7_hhigppR8HXlO1gidoq4lxJMyWglRBwARcZiqpdtKTQeV84nWem9iesiYy8wsxTuEddE7YWQFtJLETZT9Yj_PoZa7VxAfZTlEMdpwjhLRW5PAj333a9md2P68i.knDLyMzpRXYumB1jCgywsMt9KNV2Nop6Bkfl0GFrOAlkOvHOQLxNzWjWPnDr9cxBSxwsMzYKYokIIlqarNhI5Jd5ZTztC5LHNFwhkZRkg2ObmhgC5ywE3CFeffABKq4LVbpKi0eLiSHcRrYNATCmI6q_P4PtrtTZDR.Ny3V.6uLJy_7icb0tkB2TVOP8fRD4fAs0ySUb2X2EGRctE5anhJBJbPSjXTh_TZHWURRDIQTe5lJ8OPGtqIbjRNxAoysXqLlli31WZMxS4JqPUVqvrLllgE3vGmyUew0kqs31jlDcUF_PZIBFZ3KYZyHEupYY9.JY0A617lLyH7m10QwuN.r_TiTEXhqonPmMKOcsE3XGfPzzjxOQb7l8TV_wyQzEH1rwvN.H1A"};var cpo = document.createElement('script');cpo.src = '/cdn-cgi/challenge-platform/h/b/orchestrate/chl_page/v1?ray=9135337b2d443dad';window._cf_chl_opt.cOgUHash = location.hash === '' && location.href.indexOf('#') !== -1 ? '#' : location.hash;window._cf_chl_opt.cOgUQuery = location.search === '' && location.href.slice(0, location.href.length - window._cf_chl_opt.cOgUHash.length).indexOf('?') !== -1 ? '?' : location.search;if (window.history && window.history.replaceState) {var ogU = location.pathname + window._cf_chl_opt.cOgUQuery + window._cf_chl_opt.cOgUHash;history.replaceState(null, null, "\/abstracts\/search?q=Islamic%20financial%20services&__cf_chl_rt_tk=0QIiNLtM4A6mp9cX6byJelxEVqRy6wursWOwl2HROko-1739789265-1.0.1.1-9G04A6vQ6aUSXeyGldj838HJbnbdZS1IVRSLyDG3mUg" + window._cf_chl_opt.cOgUHash);cpo.onload = function() {history.replaceState(null, null, ogU);}}document.getElementsByTagName('head')[0].appendChild(cpo);}());</script></body></html>