PERTANIKA JOURNAL OF SCIENCE AND TECHNOLOGY

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• Isomidinova, G., Singh, J. S. K., & Singh, K. (2017). Determinants of financial literacy: A quantitative study among young students in Tashkent, Uzbekistan. Electronic Journal of Business & Management, 2(1), 61-75.

• Janor, H., Yakob, R., Hashim, N. A., Zanariah, & Wei, C. A. C. (2016). Financial literacy and invesment decisions in Malaysia and United Kingdom: A comparative analysis. Malaysian Journal of Society and Space, 12(2), 106 -118.

• Jordà, Ò., Singh, S. R., & Taylor, A. M. (2022). Longer-run economic consequences of pandemics. Review of Economics and Statistics, 104(1), 166-175. https://doi.org/10.1162/rest_a_01042

• Jorgensen, B. L. (2007). Financial literacy of college students: Parental and peer influences [Doctoral dissertation, Virginia Polytechnic Institute and State University]. Virginia Tech. http://hdl.handle.net/10919/35407

• Lusardi, A. (2015). Financial literacy skills for the 21st century: Evidence from PISA. Journal of Consumer Affairs, 49(3), 639-659. https://doi.org/10.1111/joca.12099

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• Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5-44. https://doi.org/10.1257/jel.52.1.5

• Mohd Tajudin, N., Othman, R., & Zamzamir, Z. (2019). A thinking-based learning module for enhancing 21st century skills. International Journal of Innovative Technology and Exploring Engineering, 8(6S4) 397-401. https://doi. org/10.35940/ijitee.f1080.0486s419.

• Mokhtar, N., Dass, T. M., Sabri, M. F., & Ho, C. S. (2018). A preliminary evaluation of financial literacy in Malaysia. Journal of Wealth Management & Financial Planning, 5(6), 3-16. http://dx.doi.org/10.5539/ass.v11n18p49

• Monticone, C. (2010). How much does wealth matter in the acquisition of financial literacy? Journal of Consumer Affairs, 44(2), 403-422. https://doi.org/10.1111/j.1745-6606.2010.01175.x

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• Organisation for Economic Cooperation and Development, OECD. (2023). OECD/INFE 2023 International Survey of Adult Financial Literacy. https://doi.org/10.1787/56003a32-en

• Othman, R., Aris, N. A., Mardziyah, A., Zainan, N., & Amin, N. M. (2015). Fraud detection and prevention methods in the Malaysian public sector: Accountants’ and internal auditors’ perceptions. Procedia Economics and Finance, 28, 59-67. https://doi.org/10.1016/s2212-5671(15)01082-5

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• Radianto, W. E. D., Efrata, T. C., & Dewi, L., (2019.) Impact of family’s socio-economic context on financial literacy of young entrepreneurs. Expert Journal of Business and Management, 7(2), 230-235. https://www.researchgate.net/publication/342048934

• Rai, K., Dua, S., & Yadav, M. (2019). Association of financial attitude, financial behaviour and financial knowledge towards financial literacy: A structural equation modeling approach. FIIB Business Review, 8(1), 51-60.https://doi. org/10.1177/2319714519826651

• Ramasamy, M., Kenayathulla, H. B., & Ghani, M. F. A. (2018). Socioeconomic factors that affect the financial literacy skills of secondary school students in Negeri Sembilan. JuPiDi: Jurnal Kepimpinan Pendidikan, 5(3), 10-33.

• Ramlan, A. M. (2017). Improving the students’ mathematics learning outcomes through quantum teaching method. Journal of Mathematics Education, 2(1), 24-30. https://doi.org/10.31327/jme.v2i1.258

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• Sabri, M. F., & Zakaria, N. F. (2015). The influence of financial literacy, money attitude, financial strain and financial capability on young employees’ financial well-being. Pertanika Journal of Social Sciences & Humanities, 23(4).

• Said, N., Musa, M., Meng, C. C., & Yaakob, M. N. (2022). Development of a consumer mathematics (financial management) training module for secondary school mathematics teachers: Is there a need? International Journal of Education, Islamic Studies and Social Sciences Research, 7(2), 181-191.

• Santini, F. D. O., Ladeira, W. J., Mette, F. M. B., & Ponchio, M. C. (2019). The antecedents and consequences of financial literacy: A meta-analysis. International Journal of Bank Marketing, 37(6). 1462-1479. https://doi.org/10.1108/ijbm-10-2018-0281

• Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35(4), 969-980. https://doi.org/10.1016/j.adolescence.2012.02.002

• Susanti, N., Rahmayanti, R., Padmakusumah, R. R., & Susanto, R. (2019). Factors affecting students’ financial literation: A study on Widyatama University, Indonesia. Universal Journal of Educational Research, 7(5), 7-14. https://doi. org/10.13189/ujer.2019.071502

• Susilowati, N., Kardiyem, K., & Latifah, L. (2020). The mediating role of attitude toward money on students’ financial literacy and financial behavior. JABE (Journal of Accounting And Business Education), 4(2), 58-68. http://dx.doi.org/10.26675/jabe.v4i2.6622

• Thomas, B., & Subhashree, P. (2020). Factors that influence the financial literacy among engineering students. Procedia Computer Science, 172, 480-487. https://doi.org/10.1016/j.procs.2020.05.161

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• van Dalen, H. P., & Henkens, K. (2020). The COVID-19 pandemic: Lessons for financially fragile and aging societies. Work, Aging and Retirement, 6(4), 229-232. https://doi.org/10.1093/workar/waaa011

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