Items where Author is "Zetty Karmila Abd Rafar"
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Yussapikah Yunos and Zetty Karmila Abd Rafar and Nor Azizah Sa’ri and Wan Amin Khalili Wan Mohd Abrisam (2022) Factors of financial literacy: A study among students in University Malaysia Kelantan (UMK) during pandemic of Covid-19. Final Year Project thesis, UNIVERSITI MALAYSIA KELANTAN. (Submitted)