Janor, Hawati, Nurul Fareena Jasli, Rubayah Yakob, and Noor Azuan Hashim. “Influence of Gender and Academic Program on Financial Literacy Among Malaysian University Students”. Jurnal Personalia Pelajar 19, no. 2 (February 11, 2022). Accessed May 15, 2024. https://spaj.ukm.my/personalia/index.php/personalia/article/view/279.