DIKKO, M. . . Digital Literacy and Risk Management in Takaful Operations: An Analysis of Shariah Principles and Regulatory Imperatives in Nigeria . International Journal of Intellectual Discourse, [S. l.], v. 9, n. 2, 2026. Disponível em: https://ijidjournal.org/index.php/ijid/article/view/1122. Acesso em: 10 jun. 2026.