Norhaziah NawaiZurina Shafii2024-05-282024-05-2820172017-0313http://cipsf.my/index.php/publications/journals/jipsf/archiveshttps://oarep.usim.edu.my/handle/123456789/5207Islamic finance industry has grown rapidly and recognized not only to the Muslims but also attracted non-Muslim to use it. However, Islamic finance industry is dominated by the Islamic banking and Takaful and Islamic capital and money market. The participation of non-bank financial institutions such as Islamic cooperative and Islamic microfinance in Islamic finance is still limited compare to the customers of these institutions. The participation of Islamic non-bank financial institutions is expected to increase the contribution of Islamic finance and competition with conventional finance.enIslamic Cooperative, Islamic Finance, Non-bank Financial InstitutionsArticle11311