Zolkeplee, Siti Zulaika, Abu Bakar Hamed, and Ahamad Faosiy Ogunbado. “Determinant Factors of Student’s Perception Toward Educational Loan Repayment”. The Journal of Muamalat and Islamic Finance Research 15, no. 1 (June 1, 2018): 73-83. Accessed March 22, 2019. http://jmifr.usim.edu.my/index.php/jmifr/article/view/102.