Zulkeflly, Farah Liyana, and Siti Asma' Mohd Rosdi. “Student Financial Management Competency: Kecekapan Pengurusan Kewangan Mahasiswa”. Management Research Journal, vol. 11, no. 1, June 2022, pp. 50-57, https://doi.org/10.37134/mrj.vol11.1.5.2022.