Lee, Y.L.-E., Charun, V.S. and Mohd Zaki, H.H. 2021. Factors Affecting Accumulation of Household Debts in Malaysia. International Journal of Management, Finance and Accounting. 2, 1 (Feb. 2021), 19–42. DOI:https://doi.org/10.33093/ijomfa.2021.2.1.2.