S. Suhaimi, S. Nurul Huda Mohd, H. Hashim, N. Baiti Shafee, and Y. Siew Sian, “Factors Affecting Malaysian Millennials in Paying Debt”, Psychosocial rehabilitation, vol. 24, no. 3, pp. 1443–1452, May 2020, doi: 10.61841/4k52x919.