Ahmat, Norunnajjah, and Mohd Safari Sarodin. 2016. “TAHAP KESEDARAN PENJAWAT AWAM ISLAM TERHADAP KEPENTINGAN TAKAFUL HAYAT (THE LEVEL OF UNDERSTANDING AMONG THE MUSLIM GOVERNNMENT SECTOR EMPLOYEE ON THE IMPORTANCE OF TAKAFUL)”. Journal of Human Capital Development (JHCD) 9 (2):135-48. https://jhcd.utem.edu.my/jhcd/article/view/1928.