UNDERSTANDING MALAYSIAN FISHERMEN'S READINESS TO PAY FOR PROTECTION AND INDEMNITY INSURANCE: A REVIEW OF MARITIME AND FISHERIES RISK MANAGEMENT. - Chuah, Lai; Gohari, Adel; Ooi, Jun Wei; Leong, Yee Hua; Pua, Yan Li; Osman, Nor Hasni; Colak, Arife Tugsan Isiacik (Journal of Technology & Operations Management, 2026)