OSMAN, Syuhaily; MOHD SALLEH , Naimah; ZULKIFLI , Nurmaziah. PERBELANJAAN AWAL MUSIM PERSEKOLAHAN: PERBANDINGAN MENGIKUT KUMPULAN ETNIK DI MALAYSIA . Jurnal Pengguna Malaysia, [S. l.], v. 21, p. 94–108, 2024. Disponível em: https://jpmjurnal.com/jpm/article/view/199. Acesso em: 29 aug. 2026.