SQL Query to Convert number into Words for Money

SELECT INITCAP ( DECODE ( FLOOR (TO_NUMBER ( :amount)), 0, '', TO_CHAR (TO_DATE (FLOOR (TO_NUMBER ( :amount)), 'J'), 'JSP') || ' ' || 'Dirham' || DECODE ( MOD (TO_NUMBER ( :amount) * 100, 100), 0, '', ' AND (' || TO_CHAR ( TO_DATE (MOD (TO_NUMBER ( :amount) * 100, 100), 'J'), 'JSP') || ' Fils)'))) FROM DUAL;