Arshad, Zainab, and Sajid Mohy Ul Din. “Determinants of Takaful Demand: The Role of Macroeconomic and Human Development Indicators in Muslim Countries”. Innovation Journal of Social Sciences and Economic Review 7, no. 2 (July 28, 2025): 50–58. Accessed April 15, 2026. https://ijsser.com/index.php/ijsser/article/view/10.36923.ijsser.v7i2.278.