Muhammad Arsalan Akbar, Dr. Qaisar Bilal, and Dr. Muhammad Kaleem. “Islamic Finance in Academia: Investigating Hybrid Sukuk Model (Ijarah-Based Diminishing Musharaka) Implementation in KP’s Government Universities”. Dialogue Social Science Review (DSSR) 3, no. 2 (February 14, 2025): 618–635. Accessed April 19, 2025. http://thedssr.com/index.php/2/article/view/306.