Chong , Z. J., B. Y. Thong, Y. N. Ho, K. K. Foong, M. . Misiran, and . Z. . Md Yusof. “Investigating Factors Affecting Personal Bankruptcy in Malaysia Through Regression Analysis”. Journal of Information and Knowledge Management, vol. 13, no. 1, Apr. 2023, pp. 1-17, doi:10.24191/jikm.v13i1.4696.