Abd Rahim, Nordiana, and Asmah Ismail. “Financial Well-Being Among Serious Pecuniary Indebtedness Civil Servants at the Ministry of Education Malaysia (MOE)”. International Journal of Human Resource Studies 13, no. 1 (June 19, 2024): 36–52. Accessed December 22, 2024. https://macrojournal.org/index.php/ijhrs/article/view/2002.