Sunarmo, S., Widuhung, S. D., Arsyad, A. T., & Nasywaa, N. (2026). Efficiency and improvement potential of Sharia insurance: Implications of the financial sector strengthening law. Jurnal Ekonomi & Keuangan Islam, 12(1), 146–164. https://doi.org/10.20885/JEKI.vol12.iss1.art9