<?xml version="1.0" encoding="UTF-8"?>
<xml>
<records>
<record>
  <contributors>
    <authors>
      <author>Idris, N.H.</author>
      <author>Rahim, F.A.</author>
      <author>Gutierrez-Nieto, B.</author>
      <author>Ismail, S.</author>
    </authors>
  </contributors>
  <titles>
    <title>Validating Instrument for Measuring Lending Institutions’ Practice in The Consumers Over-Indebtedness Study Context</title>
    <secondary-title/>
  </titles>
  <doi/>
  <pages/>
  <volume/>
  <number/>
  <dates>
    <year>2022</year>
    <pub-dates>
      <date>2022</date>
    </pub-dates>
  </dates>
  <abstract/>
</record>

</records>
</xml>