A. Kamal, A. A. Sulaiman@Mohamad, and M. T. Mohamad, “ADAKAH RELEVAN PENAWARAN TAKAFUL MIKRO KEPADA WARGA EMAS BERSAMA JABATAN KEBAJIKAN MASYARAKAT (JKM)? Is It Relevant to Offer Microtakaful to the Elderly in Cooperation with the Department of Social Welfare (JKM)?”, JS, vol. 27, no. 3, pp. 389–434, Dec. 2019.