Management of Insurance Surplus in Takaful Companies: Factors Influencing Its Formation and Distribution Methods – A Case Study of Salama Saudi Company . Journal of Economic Additions, [S. l.], v. 9, n. 2, p. 77–100, 2025. Disponível em: https://journals.univ-ghardaia.edu.dz/idafat/article/view/1815. Acesso em: 6 apr. 2026.