Kamalu, Kabiru, and Wan Hakimah Binti Wan Ibrahim. “Islamic Banking Development and Financial Inclusion in OIC Member Countries: The Moderating Role of Institutions”. Journal of Islamic Monetary Economics and Finance, vol. 7, no. 3, Aug. 2021, pp. 527-44, https://doi.org/10.21098/jimf.v7i3.1364.