Mat Nawi H, Jusoh MA, Ong HS, Ahmad MY. Shrinking Middle: Assessing financial vulnerability among malaysia’s M40 households. E-BPJ [Internet]. 2025 Dec. 2 [cited 2026 Mar. 16];10(SI37):89-96. Available from: https://ebpj.e-iph.co.uk/index.php/EBProceedings/article/view/7625