Kao, Wen Tao, and Jasmine Leby Lau. “CREDIT ATTITUDE, MONEY ATTITUDE AND CREDIT MISUSE AMONG UNIVERSITY STUDENTS IN CHINA ”. Jurnal Pengguna Malaysia, vol. 38, no. 1, Oct. 2024, pp. 164-88, https://jpmjurnal.com/jpm/article/view/57.