Norwani, Norlia Mat, Nur Aina Nadiah Muhamad, Rohaila Yusof, Wan Mohd Nazri Wan Daud, and Zakiyah Zain. “The Influence of Financial Literacy, Debt and Financial Management on Financial Well-Being of Working Individuals”. International Journal of Psychosocial Rehabilitation 24, no. 8 (October 31, 2020): 2498–2510. Accessed May 4, 2026. https://psychosocial.com/index.php/ijpr/article/view/10836.