P. Swartz, Nico. “THE CULMINATION OF INTEREST INTO OVER-INDEBTEDNESS WITHIN THE SOUTH AFRICA CONTEXT: A REFLECTION OF ISLAMIC FINANCE AND BANKING”. Jurnal Syariah 20, no. 1 (January 1, 2012): 79–108. Accessed July 1, 2024. https://ajap.um.edu.my/index.php/JS/article/view/22628.