Lee, Y. L.-E., V. S. . Charun, and H. H. Mohd Zaki. “Factors Affecting Accumulation of Household Debts in Malaysia”. International Journal of Management, Finance and Accounting, vol. 2, no. 1, Feb. 2021, pp. 19-42, doi:10.33093/ijomfa.2021.2.1.2.