Mohamed Abdikarim Ali, Prof. Dr. Rusni Hassan, and Assoc. Prof. Dr. Salina Hj Kassim, “SITUATION OF WAR-AFFECTED PEOPLE IN POST-CONFLICT SOMALIA AND THEIR NEED FOR ISLAMIC MICROFINANCE SERVICES: A QUALITATIVE SURVEY”, hikmah, vol. 2, no. 3, pp. 28–42, Aug. 2019.