Abd Rahim, Husniyah, Mohamad Fazli Sabri, Zuroni Md.Jusoh, and Elistina Abu Bakar. “Ebt Load, Financial Practices And Locus Control Effects’ On Workers’ Financial Well-Being”. International Journal of Social Policy and Society (IJSPS) 9 (November 14, 2019). Accessed October 17, 2026. https://ijsps.ism.gov.my/index.php/IJSPS/article/view/88.