@book { RiskManagementunderShariahLawProductsTechniquesandCompetitiveness,
    title = "Risk Management under Shariah Law: Products, Techniques and Competitiveness",
    author = "Baraa {Al Bitar}",
    year = "2015",
    publisher = "Anchor Academic Publishing",
    address = "Hamburg, Germany",
    url = "https://m.anchor-publishing.com/document/312832"
}