Amrizah Kamaluddin, Nawal Kassim, Md. Mahmudul Alam, and Siti Akmar Abu Samah. “Human Capital Accountability and Construct: Evidence from Islamic Microfinance Institutions in Malaysia”. Global Journal Al-Thaqafah (August 21, 2024): 117–129. Accessed September 21, 2024. http://jurnal.usas.edu.my/gjat/index.php/journal/article/view/297.