ILIAS, Ibtisam @ Ilyana; HAMMAD AZIZI, Nadzratun Naim; ABDUL RAHMAN, Noraiza; MAHALI, Mazlina. Financial Solace: Malaysian Credit Counselling and Debt Management Agency Responses to COVID-19 Challenges. Emerging Science Journal, [S. l.], v. 7, p. 145–162, 2023. DOI: 10.28991/ESJ-2023-SPER-011. Disponível em: https://ijournalse.org/index.php/ESJ/article/view/1306. Acesso em: 13 jun. 2025.