Sulong A, Raja Yusof RNA. 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. JHCD [Internet]. 2025Dec.31 [cited 2026Jan.26];18(2):39-46. Available from: https://jhcd.utem.edu.my/jhcd/article/view/6513