Kamarudin, Z., and J. H. Hashim. “FACTORS AFFECTING THE SAVING BEHAVIOUR OF TAJ INTERNATIONAL COLLEGE STUDENTS”. Al-Qimah Al-Mudhafah, vol. 4, no. 1, Dec. 2018, p. 15, http://jurnal.usas.edu.my/alqimah/index.php/journal/article/view/64.