ARSHAD, Zainab; DIN, Sajid Mohy Ul. Determinants of Takaful Demand: The Role of Macroeconomic and Human Development Indicators in Muslim Countries. Innovation Journal of Social Sciences and Economic Review, London, U.K., v. 7, n. 2, p. 50–58, 2025. DOI: 10.36923/ijsser.v7i2.278. Disponível em: https://ijsser.com/index.php/ijsser/article/view/10.36923.ijsser.v7i2.278. Acesso em: 21 apr. 2026.