Advancing Sharia Insurance Product for Natural Disaster Risks: A Collective Risk Model Approach. Indonesian Actuarial Journal, [S. l.], v. 1, n. 1, p. 9–19, 2025. DOI: 10.65689/iajvol01no1pp009-019. Disponível em: https://iaj.aktuaris.or.id/index.php/iaj/article/view/6. Acesso em: 22 dec. 2025.