Harga Diri, Niat Menambah Pinjaman Dan Gelagat Perbelanjaan Individu Muslim Berpendapatan Rendah Di Sektor Perladangan. UMRAN [Internet]. 2019 Feb. 26 [cited 2026 Jul. 18];6(1):49-61. Available from: https://jurnalumran.utm.my/index.php/umran/article/view/276