ADNAN AA, ZIN SM, AZIZ MIA, ESA JA, RASHID N. Causes of Personal Financial Stress in Malaysia: A Phenomenological Study. CIBG [Internet]. 2021 Apr. 30 [cited 2025 Oct. 31];27(2):191-200. Available from: http://www.cibgp.com/index.php/1323-6903/article/view/918