Mohd Razwan sheikh,Tawseef Ahmad bhat,AHSAN ALAHI ZAHEER. 2024. “Awareness and Willingness towards Islamic Banking in Jammu and Kashmir: A Descriptive Analysis.”. Harf-O-Sukhan 8 (3), 965-75. https://www.harf-o-sukhan.com/index.php/Harf-o-sukhan/article/view/1793.