Improving Lending Mechanisms and Risk Management in the Context of an Interest-Free Banking System. SPECTRUM MULTIDISCIPLINARY JOURNAL, [S. l.], v. 1, n. 1, p. 1–6, 2026. Disponível em: https://spectrummultidisciplinary.org/index.php/smj/article/view/Ziyodullayev. Acesso em: 11 nov. 2026.