CONCEPTUAL FRAMEWORK FOR THE ADOPTION OF GENERAL TAKAFUL AMONG MSME OWNER-MANAGERS IN NORTH-WEST NIGERIA: THE ROLE OF RELIGIOSITY OF MSME OWNER-MANAGER. iBAF e-Proceedings, [S. l.], v. 12, n. 1, p. 77–88, 2026. DOI: 10.33102/qg6yey89. Disponível em: https://epibaf.usim.edu.my/index.php/eproceeding/article/view/116. Acesso em: 31 oct. 2026.