MD SANUSI , N. E. S.; HASAN , H. OPERATIONAL EFFICIENCY AND FINANCIAL PERFORMANCE OF MALAYSIAN FAMILY TAKAFUL: A CONCEPTUAL FRAMEWORK IN THE ERA OF DIGITAL TRANSFORMATION. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), [S. l.], v. 8, n. 27, p. 717–729, 2026. DOI: 10.35631/AIJBES.827045. Disponível em: https://gaexcellence.com/aijbes/article/view/7408. Acesso em: 17 apr. 2026.