Yahya, Mohd Azam, et al. “KESAN PINJAMAN TERHADAP KEHIDUPAN INDIVIDU DI MALAYSIA”. Jurnal ’Ulwan, vol. 10, no. 2, Dec. 2025, pp. 215-26, https://www.ejournal.unimel.edu.my/index.php/JULWAN/article/view/2066.