Junaidah Abu Seman, Nurul Nazlia Jamil, and Azreen Jihan Che Mohd Hashim. “Development of Integrated Islamic Finance-Based Index of Financial Inclusion Using Zakat and Cash Waqf: A Preliminary Study in Malaysia”. The Journal of Muamalat and Islamic Finance Research, vol. 18, no. 2, Dec. 2021, pp. 73-95, doi:10.33102/jmifr.v18i2.370.