Aliyu, Sirajo, et al. “Subsidised Micro-Takaful and the Financial Well-Being of Low-Income Households in Malaysia: Evidence from the Perlindungan Tenang Voucher”. International Journal of Islamic Business, vol. 11, no. 2, Oct. 2026, pp. 16-30, https://doi.org/10.32890/ijib2026.11.2.2.