Nor Mukshar, A. N., Mohd Puad, N. A. ., & Ahmad, K. A. . (2023). Ciri-Ciri Skim Takaful Kesihatan Mikro: Kajian Persepsi Dalam Kalangan B40: Characteristics of Micro Health Takaful Schemes: A Perception Study Among B40. Journal of Muwafaqat, 6(2), 133–156. https://doi.org/10.53840/muwafaqat.v6i2.160