Mustapa M, Ambo NI, Nurshid DSN. PERSEPSI HUTANG DALAM KALANGAN PELAJAR UNIVERSITI MALAYSIA SABAH: IMPLIKASI TERHADAP TINGKAH LAKU KEWANGAN . AIJBES [Internet]. 2025 Sep. 1 [cited 2025 Sep. 17];7(25). Available from: https://gaexcellence.com/aijbes/article/view/5814