Murugiah, Logasvathi, . ., and . . “Malaysian Undergraduates Financial Literacy and Financial Education: A Study in Universiti Utara Malaysia”. International Journal of Engineering and Technology 7, no. 3.30 (August 24, 2018): 325–329. Accessed August 17, 2025. https://mail.sciencepubco.com/index.php/IJET/article/view/18271.