UNDERSTANDING MALAYSIAN FISHERMEN’S READINESS TO PAY FOR PROTECTION AND INDEMNITY INSURANCE: A REVIEW OF MARITIME AND FISHERIES RISK MANAGEMENT . Journal of Technology and Operations Management, [S. l.], v. 21, n. 1, p. 93–116, 2026. DOI: 10.32890/jtom2026.21.1.7. Disponível em: https://e-journal.uum.edu.my/index.php/jtom/article/view/29535. Acesso em: 30 may. 2026.