Hawariyuni, W., and M. C. Mohd Salleh. “Modeling the Demand for Family and General Takaful in Malaysia (A Comparative Study): ARDL Approach to Cointegration”. Tazkia Islamic Finance and Business Review, vol. 7, no. 1, Jan. 2012, doi:10.30993/tifbr.v7i1.3.