Toto Ngadiman, Dicky Wiwittan, et al. “Tanggapan Sokongan Organisasi Dan Penglibatan Aktiviti Kerohanian B40 Muslim Yang Berhutang (Perceived Organizational Support and Spiritual Activity Involvement of B40 Muslim Borrower)”. UMRAN - Journal of Islamic and Civilizational Studies, vol. 6, no. 2, June 2019, pp. 67-77, doi:10.11113/umran2019.6n2.301.