Habeebullah Zakariyah, Alinasser Abdirasak Ahmed. Contemporary Issues and challenges Faced by the Takaful industry in Malaysia: special reference to shariah. hikmah [Internet]. 2019 Oct. 10 [cited 2026 Apr. 30];2(4):123-35. Available from: http://mail.alhikmah.my/index.php/hikmah/article/view/37