Kishan, K., and Ervina Alfan. “Malaysian Individual Investors: What Are the Factors That Influence Their Financial Statement Usage?”. Asian Journal of Accounting Perspectives 12, no. 1 (February 28, 2019): 22–48. Accessed March 14, 2025. https://vmis.um.edu.my/index.php/AJAP/article/view/16887.