«DETERMINANTS OF MILLENNIALS AND GENERATION Z IN ADOPTING FAMILY TAKAFUL». Isagoge - Journal of Humanities and Social Sciences 5, no. 1 (septiembre 24, 2025): 430–452. Accedido septiembre 6, 2026. https://www.telosjournals.com.br/ojs/index.php/isa/article/view/271.