Mhd Sarif , S., and Y. Ismail. “THE IMPACT OF TAQWA ON ETHICS AND COMPETITIVE ADVANTAGE IN MALAYSIAN SMES”. Online Journal of Islamic Management and Finance (OJIMF), vol. 4, no. 1, Apr. 2024, pp. 1-19, https://sare.um.edu.my/index.php/OJIMF/article/view/51835.