Mzee Mustafa, and Ahmad Azam Othman. 2020. “ISSUES & CHALLENGES OF APPLYING ISLAMIC BANKING IN ZANZIBAR: A WAY FORWARD”. INTERNATIONAL RESEARCH JOURNAL OF SHARIAH, MUAMALAT AND ISLAM (IRJSMI) 2 (4):22-34. https://gaexcellence.com/irjsmi/article/view/80.