1. Empirical Determinants of Saving Habits among Commercial Drivers in Ghana
2. Fund Mobilization and Sustainable Economic Growth; the Nigerian’s Experience;Amakor;Int. J. Trend Sci. Res. Dev. (IJTSRD),2021
3. RinggitPlus Malaysia Financial Literacy Survey—RMFLS 2019
https://media.ringgitplus.com/pdf/RP+2019+Financial+Survey+Report_Full+Report.pdf
4. National Youth Development Policy of Malaysia
https://www.youthpolicy.org/factsheets/country/malaysia/#:~:text=The%20national%20youth%20policy’s%20objective,a%20focus%20on%20skill%20development
5. Malaysian Department of Statistics,2018