Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN. Journal of Governance and Development (JGD), [S. l.], v. 12, n. 2, p. 179–194, 2016. Disponível em: https://www.educationmalaysia.co.uk/index.php/jgd/article/view/13399. Acesso em: 10 nov. 2025.