A. A. Asli, N. Sawandi, and R. A. J. Saad, “The Moderating Effects of Financial Literacy on Intention Towards Indebtedness Amongst Government Servants: A Proposed Framework”, CAC, vol. 22, no. 5, pp. 586–595, Oct. 2021, Accessed: Mar. 13, 2025. [Online]. Available: https://ca-c.org/CAC/index.php/cac/article/view/871