Yumna, Aimatul, and Joan Marta. “UNDERSTANDING THE FACTORS INFLUENCING BANKING CUSTOMERS’ FINANCIAL ASSET OWNERSHIP”. Journal of Islamic Monetary Economics and Finance 7, no. 1 (February 27, 2021): 107–126. Accessed December 31, 2025. https://www.jimf-bi.org/JIMF/article/view/1330.