- In “The Role of Car Financing In Shaping Islamic Banking Landscape” (Journal of Finance, Accounting and Management 15, no. 1 (2024)), Muhammad Usman (Karachi University Business School, Pakistan), relying on a number of online surveys completed by selected customers, “defines how Islamic banking product Car Ijarah affects the growth, profitability and promotion of Islamic banking division of one of the reputed private banks of Pakistan Bank Al Habib Limited.”