Samsuddin, Hidayah, Abdul Jalil Omar, and Siti Sarah Omar. “Personal Financial Management Among Oil Palm Independent Smallholders in Batu Pahat ”. Research in Management of Technology and Business 1, no. 1 (December 3, 2020): 756–766. Accessed July 3, 2024. https://publisher.uthm.edu.my/periodicals/index.php/rmtb/article/view/581.