DO FIRM CHARACTERISTICS MATTER IN EXPLAINING THE LAPSE RATE OF LIFE INSURANCE POLICIES AND FAMILY TAKAFUL CERTIFICATES IN MALAYSIA?. International Journal of Banking and Finance, [S. l.], v. 20, n. 1, p. 84–104, 2025. DOI: 10.32890/ijbf2025.20.1.5. Disponível em: https://www.educationmalaysia.co.uk/index.php/ijbf/article/view/25035. Acesso em: 10 nov. 2025.