Ab Wahab SNA, Japang M, Azman NS. EXPLAINING FINANCIAL SUSTAINABILITY BY RATIONALISING THE LIFE CYCLE THEORY AND PERMANENT INCOME THEORY. LBIBF [Internet]. 2024 Dec. 16 [cited 2026 Feb. 4];22(1). Available from: https://jurcon.ums.edu.my/ojums/index.php/lbibf/article/view/5777