W. R. Fadzim, M. F. Md. Salleh, and M. S. Zamzuri Noor, “Socioeconomic and Academic Determinants of Student Fee Repayment: Evidence from Uum’s Distance Learning Programme”, JES, vol. 7, no. 2, pp. 88–101, Jul. 2025, doi: 10.32890/jes2025.7.2.5.