Hashim, Nor Haziah, and Muhamad Muda. “Compatibility and Market Penetration of Family Takaful Product: A Comparative Study”. The Journal of Muamalat and Islamic Finance Research 1, no. 1 (January 1, 2004): 137–150. Accessed April 18, 2025. https://jmifr.usim.edu.my/index.php/jmifr/article/view/8.