@article{Idris:164126,
      author        = "Idris, N.H. and Rahim, F.A. and Gutierrez-Nieto, B. and
                       Ismail, S.",
      title         = "{Validating Instrument for Measuring Lending
                       Institutions’ Practice in The Consumers Over-Indebtedness
                       Study Context}",
      year          = "2022",
}