Habeebullah Zakariyah and Alinasser Abdirasak Ahmed 2019. Contemporary Issues and challenges Faced by the Takaful industry in Malaysia: special reference to shariah. AL-HIKMAH: INTERNATIONAL JOURNAL OF ISLAMIC STUDIES AND HUMAN SCIENCES. 2, 4 (Oct. 2019), 123-135. DOI:https://doi.org/10.46722/hikmah.v2i4.37.