MUSTAPA, M.; AMBO, N. I.; NURSHID, D. S. N. PERSEPSI HUTANG DALAM KALANGAN PELAJAR UNIVERSITI MALAYSIA SABAH: IMPLIKASI TERHADAP TINGKAH LAKU KEWANGAN . ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), [S. l.], v. 7, n. 25, 2025. DOI: 10.35631/AIJBES.725019. Disponível em: https://gaexcellence.com/aijbes/article/view/5814. Acesso em: 17 sep. 2025.