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, [S. l.], v. 6, n. 2, p. 133–156, 2023. DOI: 10.53840/muwafaqat.v6i2.160. Disponível em: https://muwafaqat.uis.edu.my/index.php/journal/article/view/160. Acesso em: 6 jun. 2026.