Ning Ma

1 works

INTI International University Faculty of Business and Communication, , ,

1. The borrowing mindset: understanding student's intension to apply for study loan across China

   Ning Ma, Saima Sajid, Syed Saqlain Ul Hassan +1

   ArticleFinancial Literacy, Pension, Retirement AnalysisJournal of Applied Research in Higher Education20260 citations

   ABIABI:AkademIndex/openalex/2026.article.017290