Borhan, Joni Tamkin, and Che Zarrina Saari. 2003. “The Principle of Al-Takaful (Collective Responsibility) In Islam and Its Practice in the Operations of Syarikat Takaful Malaysia Berhad”. Jurnal Usuluddin 17 (June):33-56. https://ajba.um.edu.my/index.php/JUD/article/view/4069.