UNDERSTANDING MALAYSIAN FISHERMEN’S READINESS TO PAY FOR PROTECTION AND INDEMNITY INSURANCE: A REVIEW OF MARITIME AND FISHERIES RISK MANAGEMENT . JTOM [Internet]. 2026 Jan. 31 [cited 2026 May 30];21(1):93-116. Available from: https://e-journal.uum.edu.my/index.php/jtom/article/view/29535