The Application of Al-Tawarruq in Personal Financing: Evidence from Islamic Banks in Malaysia. Journal of Management and Muamalah , [S. l.], v. 15, n. 2, p. 194–207, 2025. DOI: 10.53840/jmm.v15i2.264. Disponível em: https://jmm.uis.edu.my/index.php/jurnal/article/view/264. Acesso em: 17 jun. 2026.