Noorziah Mohd Salleh, Jabil Mapjabil, and Rosmiza M. Z. 2021. “MODAL INSAN: ULASAN TENTANG SITUASI SEMASA, CABARAN DAN HALA TUJU KE HADAPAN MENGGUNAKAN INDEKS MODAL INSAN (HCI) DI MALAYSIA”. International Journal of Accounting, Finance and Business 6 (36). https://academicinspired.com/ijafb/article/view/349.