Ahmed, Muhammad Farooq, and Muhammad Masihullah Jatoi. “Scale, Market Position, Profitability and Leverage As Drivers of Efficiency in a Dual Insurance System: Evidence from Conventional and Takaful Insurers in Pakistan, 2013–2022”. Journal of Regional Studies Review 5, no. 2 (April 30, 2026): 51–63. Accessed October 9, 2026. https://jrsr.com.pk/index.php/jrsr/article/view/215.