HIBAH TAKAFUL SEBAGAI PENYELESAIAN PENGURUSAN HARTA PASANGAN ISLAM BUKAN WARGANEGARA DI MALAYSIA: HIBAH TAKAFUL AS A WEALTH MANAGEMENT SOLUTION NON-CITIZEN ISLAMIC COUPLE IN MALAYSIA. INPAC E-Proceedings. 2026;6(1):83-97. Accessed January 24, 2026. https://fsuproceedings.usim.edu.my/index.php/inpac/article/view/211