Lee, Yvonne Lean-Ee, Vanisa Sukhavudh Charun, and Hazmi Hamizan Mohd Zaki. 2021. “Factors Affecting Accumulation of Household Debts in Malaysia”. International Journal of Management, Finance and Accounting 2 (1):19-42. https://doi.org/10.33093/ijomfa.2021.2.1.2.