A. A. Amirludin, M. N. Jaafar, and S. N. A. Ambad, “A Conceptual Framework of the Retirement Savings Behavior among Civil Servants in Malaysia”, IMBR, vol. 16, no. 3(I)S, pp. 328–343, Oct. 2024, doi: 10.22610/imbr.v16i3(I)S.4038.