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Wan Jusoh, W.N.H. (2023) “TAKAFUL MARKET PENETRATION IN MALAYSIA: STRATEGIES TO MOVE FORWARD”, Jurnal ’Ulwan, 8(1), pp. 178–188. Available at: https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/1312 (Accessed: 17 March 2026).