Suraini Saufi, Wan Nadiah Wan Mohd Nasir, Hallieyana Sha’ari and Mujiburrahman Muhammad Saleh (2025) “LITERASI DAN DAYA TAHAN KEWANGAN DALAM KALANGAN PELAJAR IPT: IMPLIKASI TERHADAP KESEJAHTERAAN DAN PEMBANGUNAN MANUSIA: FINANCIAL LITERACY AND RESILIENCE AMONG HEI STUDENTS: IMPLICATIONS FOR WELL-BEING AND HUMAN DEVELOPMENT”, INTERNATIONAL JOURNAL OF HUMANITIES, PHILOSOPHY AND LANGUAGES (IJHPL), 8(29). doi: 10.35631/IJHPL.829007.