Sharifah Shahida Syed Muhsin, Lukman Z.M., and Azlini, C, “CABARAN DAN PERANCANGAN KEWANGAN BAGI MENCAPAI KESEJAHTERAAN HIDUP IBU TUNGGAL DI TERENGGGANU: CHALLENGES AND FINANCIAL PLANNING TO ACHIEVE WELL-BEING LIVES OF SINGLE MOTHERS IN TERENGGANU ”, AIJBES, vol. 7, no. 23, Mar. 2025.