Mohd Ishak, Zalina, Mohamad Fazli Sabri, Husniyah Abdul Rahim, Irwan Syah Md Yusoff, and Amirah Shazana Magli. “RETIREMENT SECURITY AMONG MALAYSIAN CIVIL SERVANTS: AN ASSESSMENT OF LITERACY, ATTITUDES, AND FINANCIAL PRACTICES”. Jurnal Pengguna Malaysia 39, no. 1 (September 9, 2024): 96–117. Accessed June 24, 2026. https://jpmjurnal.com/jpm/article/view/43.