@book { InnovationinProcurementanditsAddedValuetotheUnitedArabEmiratesBankingSectorIslamicandConventional,
    title = "Innovation in Procurement and its Added Value to the United Arab Emirates Banking Sector, Islamic and Conventional",
    author = "Arafat {El Mourad}",
    year = "2017",
    publisher = "Anchor Academic Publishing",
    address = "Hamburg, Germany",
    url = "https://m.anchor-publishing.com/document/379619"
}