“Out-of-Pocket Health Expenditure and Catastrophic Effects: Case of Malaysia: Penggunaan Duit Poket Untuk Perbelanjaan Kesihatan Dan Kesan Catastrophic: Kajian Kes Di Malaysia” (2017) Journal of Management and Muamalah, 7(1), pp. 55–67. Available at: https://jmm.uis.edu.my.kuisjournal.com/index.php/jurnal/article/view/66 (Accessed: 23 October 2026).