“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, vol. 6, no. 2, Oct. 2023, pp. 133-56, https://doi.org/10.53840/muwafaqat.v6i2.160.