أرسل هذا في رسالة قصيرة: Effects of islamic banking adoption on credit risk, interest rate risk and liquidity risk : the case of malaysia.

  ______    _____                ___              
 /_   _//  |  ___||   ____      / _ \\      ___   
 `-| |,-   | ||__    |    \\   / //\ \\    /   || 
   | ||    | ||__    | [] ||  |  ___  ||  | [] || 
   |_||    |_____||  |  __//  |_||  |_||   \__ || 
   `-`'    `-----`   |_|`-`   `-`   `-`     -|_|| 
                     `-`                     `-`