Nurbaya, Sitti, M. Yusuf K., Muhammad Najib Kasim, Rahayu Japar, and Fery Ardiansyah. “Smart Kids, Smart Future: Human Resource and Financial Management Education for the Younger Generation PERMAI Penang Island, Malaysia”. Journal of Community Service and Society Empowerment 3, no. 03 (September 13, 2025): 281–293. Accessed September 28, 2025. https://risetpress.com/index.php/jcsse/article/view/1905.