Ghaouri, M. H., S. Kassim, H. . Zakariyah, and A. H. . Abdullah Othman. “HOUSEHOLDS’ OVER-INDEBTEDNESS: AN EXPLANATION FROM A SHARI‘AH PERSPECTIVE”. Jurnal Syariah, vol. 31, no. 2, Aug. 2023, pp. 160-94, http://adum.um.edu.my/index.php/JS/article/view/41962.