SULONG, A.; RAJA YUSOF, R. N. A. Behavioral Conceptual Framework of Debt Decision-Making Among B40 Households in Malaysia: Insights from Skinner and Watson: Kerangka Konseptual Tingkah Laku Terhadap Pembuatan Keputusan Hutang Dalam Kalangan Isi Rumah B40 Di Malaysia: Tinjauan Daripada Skinner Dan Watson. Journal of Human Capital Development (JHCD), [S. l.], v. 18, n. 2, p. 39–46, 2025. DOI: 10.54554/jhcd.2025.18.2.3. Disponível em: https://jhcd.utem.edu.my/jhcd/article/view/6513. Acesso em: 26 jan. 2026.