Ahmed MF, Jatoi MM. 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. JRSR [Internet]. 2026 Apr. 30 [cited 2026 Oct. 9];5(2):51-63. Available from: https://jrsr.com.pk/index.php/jrsr/article/view/215