1. References cont. Brigit Helms, 2006, Access to All: Building Inclusive Financial Systems, Consultative Group to Assist the Poor, World Bank,P XI. El-Gamal, Mahmoud,June (2000), A Basic Guide to Contemporary Islamic Banking and Finance, Rice University. John D Conroy,2003, “ The Challenges of Micro financing in South-East Asia ”, Financing Southeast Asia's Economic Development Institute of Southeast Asian Studies, Singapore. Karasik, Theodore, Wehrey, Frederic, Strom, Steven, winter 2007, Islamic Finance in a Global Context: Opportunities and Challenges, Chicago Journal of International Law.

2. Richardson, Christopher F., (2006), Islamic Finance Opportunities in the Oil and Gas Sector: An Introduction to an Emerging Field, Texas International Law Journal Sandstad, Ben, Strom, Hagbarth, Islamic Finance: An Introduction, 23 June 2009, Banking and Financial Services Insight, available at: http://www.claytonutz.com/publications/newsletters/bankin g_and_financial_services_insights/20090623/islamic_finan ce_an_introduction.page http://www.claytonutz.com/publications/newsletters/bankin g_and_financial_services_insights/20090623/islamic_finan ce_an_introduction.page Usmani, Mufti Muhammad Taqi, 2002,An Introduction to Islamic Finance, Kluwer Law International,

3. Wilson, R. April,2007. “Making Development Assistance Sustainable through Islamic Microfinance,” IIUM International Conference on Islamic Banking and Finance. Kuala Lumpur, Malaysia Venardos, Angelo M., 2005, Islamic Banking & Finance in South-East Asia, Its Development and Future, World Scientific Publishing Co. Pte. Ltd.

5. References Abdul Rahim ABDUL RAHMAN,2007, Islamic Microfinance: A Missing Component in Islamic Banking, Kyoto Bulletin of Islamic Area Studies, 1-2, pp. 38-53 Ahmed, H. 2002. “ Financing Micro Enterprises: An Analytical Study of Islamic Microfinance Institutions, ” Journal of Islamic Economic Studies 9(2). Al-Jarhi, Mabid Ali,(2004), Islamic Banking and Finance: Philosophical Underpinnings, Ed. by Ali, Salman Syed, Ahmad, Ausaf, Islamic Banking and Finance: Fundamentals and Contemporary Issues, Selected Papers from Conference in Brunei; 5-7 January 2004, Islamic Research and Training Institute and University Brunei Darussalam

6. Algaoud, Latifa M., Lewis, Mervyn K., Mohammed, 2007, Islamic Critique of Conventional Financing, Handbook of Islamic Banking, edited by: Hassan, M. Kabir, Lewis, Mervyn K., Edward Elgar Publishing, Inc Ayub, Muhammad, 2008,Understanding Islamic Finance, John Wiley & Sons, Inc., 3. Edition Berschadsky, Ariel,2001, Innovative Financial Securities in the Middle East: Surmounting the Ban on Interest in Islamic Law, U. Miami Business Law Review 107.