Zainol, Zairani, Zulkiflee Daud, Aini Nur Hajjar Khairol Nizam, Rosemaliza Abd Rashid, and Nursiha Alias. 2016. “Exploring Factors That Contribute to Individual Indebtedness Among Young Muslims”. International Journal of Economics and Financial Issues 6 (7S):320-28. https://www.econjournals.com/index.php/ijefi/article/view/3626.