Nabilah Wafa’ Mohd Najib, Naimah Abu Kasim, Siti Fadhilah Ghazali, Norazlina Abdul Wahab, and Noraziah Che Arshad, “A CONCEPTUAL PAPER ON KEY FACTORS INFLUENCING FINANCING OR LOAN GROWTH IN MALAYSIAN ISLAMIC BANKS AND CONVENTIONAL BANKS”, AIJBES, vol. 5, no. 18, Sep. 2024.