[
Abdul-Rahman, Y. (2014). The art of RF (Riba-Free) Islamic banking and finance. Wiley.
]Search in Google Scholar
[
Ahmed, H. (2002). Financing microenterprises: An analytical study of Islamic microfinance institutions. Islamic economic studies, 9(2), 27–64.
]Search in Google Scholar
[
Ali, A. J., & Al-Owaihan, A. (2008). Islamic work ethic: A critical review. Cross Cultural Management: An International Journal, 15 (1), 5–19. DOI: https://doi.org/10.1108/13527600810848791
]Search in Google Scholar
[
Apaydın, F. (2021). Islamic Finance and Development in Malaysia. In M. Cammett & P. Jones (Eds.), The Oxford Handbook of Politics in Muslim Societies. DOI: https://doi.org/10.1093/oxfordhb/9780190931056.013.1
]Search in Google Scholar
[
Ayub, M. (2007). Understanding Islamic finance. Wiley. DOI: https://doi.org/10.1002/9781119209096
]Search in Google Scholar
[
Bayındır, S. (2015). The structure of interest-free securities in Islamic finance. Journal of Economic and Business Issues, 2(2), 51–61.
]Search in Google Scholar
[
Chapra, M. U. (2000). The future of economics: An Islamic perspective. Islamic Foundation.
]Search in Google Scholar
[
Credit Union Central of Canada. (2012). Social responsibility and Canada’s credit unions [PDF]. Retrieved from https://www.comsavings.com/assets/pdfs/SocialResponsibility.pdf
]Search in Google Scholar
[
Danevska, A. B. (2020). Development of fintech solutions in the Macedonian banking sector. Journal of Sustainable Finance and Investment, 10(3), 280–295. DOI: https://doi.org/10.1080/20430795.2020.1723380
]Search in Google Scholar
[
Danevska, A. B. (2021). Reinvention of new banking business models in the Republic of North Macedonia. Trends in Economics, Finance, and Management Journal, 3(2), 42–51. Retrieved from http://tefmj.ibu.edu.mk/wp-content/uploads/2022/01/reinvention-of-new-banking-business-models-in-Republic-of-north-macedonia.pdf
]Search in Google Scholar
[
Derbel, H., Bouraoui, T., & Dammak, N. (2011). Can Islamic finance constitute a solution to crisis? International Journal of Economics and Finance, 3(3), 75–84. DOI: https://doi.org/10.5539/ijef.v3n3p75
]Search in Google Scholar
[
Emirates Institute of Finance (2025). Islamic banking qualifications. Retrieved from https://eif.gov.ae/professional-qualifications/islamic-banking/
]Search in Google Scholar
[
European Banking Authority. (2021). Annex North Macedonia equivalence. Retrieved from https://eba.europa.eu/sites/default/files/document_library/Publications/Opinions/2021/1024367/Annex%20North%20Macedonia%20Equivalence.pdf
]Search in Google Scholar
[
European Banking Authority (2021). EBA report on management and supervision of ESG risks for credit institutions and investment firms. Retrieved from https://www.eba.europa.eu/eba-publishes-its-report-management-and-supervision-esg-risks-credit-institutions-and-investment-firms
]Search in Google Scholar
[
European Investment Bank (2024). North Macedonia: EIB global supports greening of the financial system through dedicated advisory programme. Retrieved from https://www.eib.org/en/press/all/2024-078-north-macedonia-eib-global-supports-greening-of-the-financial-system-through-dedicated-advisory-programme
]Search in Google Scholar
[
Fidanoski, F., Sergi, B. S., Simeonovski, K., Naumovski, V., & Sazdovski, I. (2018). Effects of foreign capital entry on the Macedonian banking industry: Two-edged sword. In B. S. Sergi (Ed.), Regaining global stability after the financial crisis (pp. 308-338). IGI Global. Retrieved from https://www.igi-global.com/chapter/effects-of-foreign-capital-entry-on-the-macedonian-banking-industry/202084
]Search in Google Scholar
[
Fotova Čiković, K. (2017). Effects of the entrance of foreign capital in the Macedonian banking sector. Economic Development – Ekonomski Razvoj, 18(3), 294–308.
]Search in Google Scholar
[
Gündoğdu, A. S. (2018). An inquiry into Islamic finance from the perspective of sustainable development goals. European Journal of Sustainable Development, 7(4), 381–390. DOI: https://doi.org/10.14207/ejsd.2018.v7n4p381.
]Search in Google Scholar
[
Halal Times. (n.d.). What is interest-free banking? Halal Times. Retrieved from https://www.halaltimes.com/what-is-interest-free-banking/
]Search in Google Scholar
[
HM Land Registry. (2023). Practice guide 69: Islamic financing. Retrieved from https://www.gov.uk/government/publications/islamic-financing/practice-guide-69-islamic-financing#ijara-wa-iqtina-mortgage
]Search in Google Scholar
[
Huang, Y. (2015). Fintech development and regulatory framework in China. China Economic Journal, 8(3), 336–352. DOI: https://doi.org/10.1080/17538963.2015.1100089
]Search in Google Scholar
[
Iqbal, Z., & Mirakhor, A. (2011). An introduction to Islamic finance: Theory and practice. Wiley. DOI: https://doi.org/10.1002/9781118390474
]Search in Google Scholar
[
Lane, E. (2020). Why the UK leads the global digital banking industry. FinTech Magazine. Retrieved from https://fintechmagazine.com/venture-capital/why-uk-leads-global-digital-banking-industry
]Search in Google Scholar
[
Mbama, C. I. & Ezepue, P. O. (2018). Digital banking, customer experience and bank financial performance: UK customers ’ perceptions. International journal of bank marketing 36(2), 230–255.
]Search in Google Scholar
[
Mia, R. (2016). Mudharabah and musharakah from the accounting perspective by referring to AAOIFI, IFRS, and MFRS. IOSR Journal of Business and Management (IOSR-JBM), 18(7), 67–72.
]Search in Google Scholar
[
Moosa, R. (2023). An overview of Islamic accounting: The Murabaha contract. Journal of Risk and Financial Management, 16(7), 1-15. DOI: https://doi.org/10.3390/jrfm16070335
]Search in Google Scholar
[
National Bank of the Republic of North Macedonia. (2024). Soopstenie za pecat OFI Q2 2024. Retrieved from https://www.nbrm.mk/content/statistika/Soopstenija/OFI/2024/Soopstenie_za_pecat_OFI_Q2_2024_mk.pdf
]Search in Google Scholar
[
National Bank of the Republic of North Macedonia. (2024). Соопштение 01112024-1. Retrieved from https://www.nbrm.mk/ns-newsarticle-soopstenie-01112024-1.nspx
]Search in Google Scholar
[
National Bank of the Republic of North Macedonia. (n.d.). Payment statistics. Retrieved from https://www.nbrm.mk/platiezhna_statistika.nspx
]Search in Google Scholar
[
Obaidullah, M. (2008). Role of microfinance in poverty alleviation: Lessons from experiences in selected IDB member countries. Mohammed Obaidullah, Role of Microfinance in Poverty Alleviation: Lessons from Experiences in Selected IDB Member Countries, Islamic Development Bank.
]Search in Google Scholar
[
Parnardzieva Stanoevska, E. (2019). Impact of foreign capital and information & communication technology on the Macedonian banking sector effectiveness. Trends in Economics, Finance and Management Journal, 1(2), 47–56.
]Search in Google Scholar
[
Parnardzieva Stanoevska, E., Bojadzievska Danevska, A., Sadiku, L., & Dimitrieska, S. (2023). Development of fintech solutions in the Macedonian banking sector. Economics and Management, 20(1), 78–105. DOI: https://doi.org/10.37708/em.swu.v20i1.6
]Search in Google Scholar
[
Peter, N., & Intelligence, R. S. A. (2021). A Modern Approach. Pearson Education, USA.
]Search in Google Scholar
[
Saleem, M., Khan, M. U., & Siraj, S. (2013). The impact of interest based banking on socio-economic environment and its solution through Islamic finance concepts. International Journal of Scientific and Research Publications, 3(11), 1–8.
]Search in Google Scholar
[
Saraç, M., & Ülev, E. (2017). Investing in Islamic stocks: A wiser way to achieve genuine interest-free finance. International Journal of Islamic and Middle Eastern Finance and Management, 10(2), 213–230. DOI: https://doi.org/10.1108/IMEFM-07-2015-0082
]Search in Google Scholar
[
Siddiqi, M. N. (2004). Riba, bank interest, and the rationale of its prohibition. Islamic Development Bank.
]Search in Google Scholar
[
Usmani, M. T. (2002). An introduction to Islamic finance. Maktaba Ma’ariful Qur’an.
]Search in Google Scholar
[
Visser, H. (2009). Islamic finance: Principles and practice. Edward Elgar Publishing.
]Search in Google Scholar
[
World Bank. (2017). Establishing a Legal Framework for Sovereign Sukuk Issuance (P161573). World Bank. Retrieved from https://documents1.worldbank.org/curated/en/907001497472893193/pdf/P161573-06-14-2017-1497472889089.pdf
]Search in Google Scholar