Mohd Bakri, Syazwani, et al. “Faktor Penyertaan Perbelanjaan Insurans Dalam Kalangan Isi Rumah Berpendapatan Terendah (B40): Factor of Participation Lower Income Households (B40) in Insurance Expenditure”. Management Research Journal, vol. 7, Dec. 2018, pp. 59-74, https://doi.org/10.37134/mrj.vol7.6.2018.