“Expectation vs Reality: A Study on the Perceptions of Shariah Committee on the Shariah Audit Practice in Malaysian Takaful Industry: Jangkaan vs Realiti: Kajian Mengenai Persepsi Jawatankuasa Syariah terhadap Amalan Audit Syariah dalam Industri Takaful Malaysia” (2022) Journal of Management and Muamalah, 12(2), pp. 126–143. Available at: https://www.jmm.uis.edu.my.kuisjournal.com/index.php/jurnal/article/view/135 (Accessed: 28 July 2026).