Ahmad, Nor Hayati, Asish Saha, Hock Eam Lim, Muhammad Muhaizam Musa, and Goh Yeok Siew. “Drivers of Future Savings of Malaysian Households”. Journal of Economics and Sustainability 3, no. 1 (January 31, 2021): 11. Accessed October 2, 2026. https://e-journal.uum.edu.my/index.php/jes/article/view/12703.