Developing Suitable Takaful Product for Disable Segments oleh Asmak Ab Rahman, Azizi Che Seman, Kamaruzaman Noordin, Mohammad Taqiuddin Mohamad, Nor Fahimah Mohd Razif, Muhammad Ikhlas Rosele, MohdShahid Mohd Noh.

The study was carried out on seven categories of Persons with Disabilities (Orang Kurang Upaya OKU), namely physical disability ( visual disability ( speech disability ( mental disability ( hearing disabilities ( Learning Disabilities ( and miscellaneous disabilities This division is similar to the division executed by the Social Welfare Department Jabatan Kebajikan Malaysia, JKM) as the organisation responsible for managing OKU in the country