Abd Rahim, H., Sabri, M. F., Md.Jusoh, Z., & Abu Bakar, E. (2019). ebt Load, Financial Practices And Locus Control Effects’ On Workers’ Financial Well-Being. International Journal of Social Policy and Society (IJSPS), 9. https://ijsps.ism.gov.my/index.php/IJSPS/article/view/88