Hassan Salum, N. ., and M. Hafidh Khalfan. “CHALLENGES FACING ISLAMIC BANKING IN ZANZIBAR : A CASE OF AMANA BANK AND PBZ ISLAMIC BANKING DIVISION”. ABDULRAHMAN AL-SUMAIT University Journal (SUJ), Mar. 2023, p. Page 10, https://journal.sumait.ac.tz/index.php/data/article/view/62.