“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, vol. 12, no. 1, Oct. 2026, pp. 77-88, https://doi.org/10.33102/qg6yey89.