Muhamad, Farah Hanan, Hartini Ab Ghani, and Juliana Arifin. 2024. “A Conceptual Framework of E-Takaful Participation Readiness (ETPR) Among Individuals at Insurable Age in Malaysia”. Journal of Entrepreneurship and Business 12 (1):116-26. https://doi.org/10.17687/jeb.v12i1.1197.