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R. Baba, N. Z. Muhammad Nor, and J. Hassan, “TAHAP LITERASI KEWANGAN, MASALAH KEWANGAN DAN TEKANAN DALAM KALANGAN MAHASISWA”, ULWAN, vol. 7, no. 2, pp. 173–190, Dec. 2022, Accessed: Mar. 17, 2026. [Online]. Available: https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/1194