“Faktor Berhutang Dalam Kalangan Belia Muslim: Factor of Indebtedness Among Muslim Youth”. Jurnal Pengajian Islam 13, no. 2 (November 30, 2020): 50–58. Accessed August 6, 2026. https://www.jpi.uis.edu.my.kuisjournal.com/index.php/jpi/article/view/43.