Mohd Damit, M. R., & Mohammed, R. @ U. (2025). Unveiling Takaful Subscriptions: Demographic Factors, Awareness and Financial Literacy in Kota Kinabalu City Centre Through Linear Regression Analysis. The Journal of Muamalat and Islamic Finance Research, 22(1), 146–166. https://doi.org/10.33102/jmifr.581