Sahaida Laily Md Hashim, Nor Edi Azhar Mohamad, Normaisarah Abdul Manaf, Suzaida Bakar, Nor Salwati Othman, Nor Hamisham Harun. A CONCEPTUAL FRAMEWORK OF MALAYSIA MADANI MILLENNIALS FINANCIAL LITERACY (M3-FLF). AIJBES [Internet]. 2024 Dec. 17 [cited 2025 May 21];6(22). Available from: https://gaexcellence.com/aijbes/article/view/4505