Mohamad Puad, N. A. “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”. Journal of Management and Muamalah , vol. 12, no. 2, Nov. 2022, pp. 126 -43, https://jmm.kuis.edu.my/index.php/jurnal/article/view/135.