Hartini Mohammad2024-05-302024-05-302020-11-109789674408558http://fem.usim.edu.my/ibaf2020-proceeding/https://oarep.usim.edu.my/handle/123456789/17422e-Proceedings of The 9th Islamic Banking, Accounting and Finance International Conference 2020 (iBAF2020) “Navigating the New Normal in Islamic Finance and Wealth Management” 10th – 11th November 2020, Malaysia Organized by: Faculty of Economics and Muamalat,USIM Page: 332-335en-USArticle332335