Habeebullah Zakariyah, Alinasser Abdirasak Ahmed. Contemporary Issues and challenges Faced by the Takaful industry in Malaysia: special reference to shariah. hikmah [Internet]. 2019Oct.10 [cited 2025Nov.12];2(4):123-35. Available from: http://alhikmah.my/index.php/hikmah/article/view/37