Nurul Hazwany Shamsuddin, Siti Aida Sheikh Hussin, Zalina Zahid, and Noor Asiah Ramli. “Lapsation Risk: Takaful Operators In Malaysia ”. Applied Mathematics and Computational Intelligence (AMCI) 12, no. 3 (October 10, 2023): 51–60. Accessed January 27, 2026. https://ejournal.unimap.edu.my/index.php/amci/article/view/321.