“AN EXPLORATORY STUDY TO ANALYZE THE FACTORS AFFECTING THE PROFITABILITY OF PAKISTANI ISLAMIC BANKS DUE TO COVID-19 PANDEMIC BASED ON TOE THEORY ”, Pak. J, Soc. Sci., vol. 4, no. 1, pp. 429–436, Mar. 2022, doi: 10.52567/pjsr.v4i1.667.