1. A.A. Al Ghurair (2002 ) ?The Hawala: alternative or parallel remittance system?, paper presented at the International Conference on Hawala, Abu Dhabi 15-16 May.
2. R. Ballard (2003 ) ?A background report on the operation of informal value transfer systems (Hawala)?, available athttp://www.art.man.ac.uk/CASAS/pdfpapers/hawala.pdf.