Ani Asmaa, Norfaiezah, Ram Al Jaffri. BEHAVIORAL FACTORS IN DETERMINING INTENTION TOWARDS INDEBTEDNESS AMONG GOVERNMENT SERVANTS. AIJBES [Internet]. 2024 Sep. 24 [cited 2026 Nov. 15];5(18). Available from: https://www.gaexcellence.com/index.php/aijbes/article/view/4083