Nik Mad, Nik Shahrizan, Marzudi Md Yunus, and Muhammad Shamsinor Abdul Aziz. 2020. “KESEJAHTERAAN SUBJEKTIF: HALANGAN DAN CABARAN PESERTA PROGRAM MIKRO KREDIT AMANAH IKHTIAR MALAYSIA DI CAWANGAN KEPONG, WILAYAH SELANGOR DAN KUALA LUMPUR TENGAH: SUBJECTIVE WELL-BEING: OBSTACLES AND CHALLENGES OFAMANAH IKHTIAR MALAYSIA MICRO CREDIT PROGRAMME PARTICIPANTS FROM THE KEPONG, REGION OF SELANGORAND CENTRAL KUALA LUMPUR BRANCHES”. Jurnal Pengajian Melayu (JOMAS) 31 (1):20-35. https://ojie.um.edu.my/index.php/JPM/article/view/27542.