1. Akinyode, B. F., Hayat Khan, T., & Bin Hj Ahmad, A. S. (2015). Consumer decision making process model for housing demand. Jurnal Teknologi, 77(14), 59–69. https://doi.org/10.11113/jt.v77.6447
2. Al-Nahdi, T. S., Ghazzawi, O. H., & Abu Bakar, A. H. (2015). Behavioral Factors Affecting Real Estate Purchasing. International Journal of Business and Social Science, 6(8), 146–154.
3. Azma, N., Rahman, M., Adeyemi, A. A., & Rahman, M. K. (2019). Propensity toward indebtedness: evidence from Malaysia. Review of Behavioral Finance, 11(2), 188–200. https://doi.org/10.1108/RBF-05-2017-0046
4. Azmi, W. N. W., & Madden, R. (2015). Finance matters: Understanding Gen Y - Bridging the knowledge gap of Malaysia’s millennials. In Asian Institute of Finance. http://www.aif.org.my/clients/aif_d01/assets/multimediaMS/publication/Finance_Matters_Understanding_Gen_Y_Bridging_the_Knowledge_Gap_of_Malaysias_Millennials.pdf
5. Bankruptcy Statistic 2021. (2021). https://www.mdi.gov.my/index.php/legislation/bankruptcy
6. Baqutaya, S., Ariffin, A. S., & Raji, F. (2016). Affordable Housing Policy : Issues and Challenges among Middle-Income Groups. International Journal of Social Science and Humanity, 6(6), 433–436. https://doi.org/10.7763/IJSSH.2016.V6.686
7. Boon, J., Yap, H., & Ng, X. H. (2018). Housing affordability in Malaysia : perception , price range ,. Internationa Journal of Housing Markets and Analysis, 11(3), 476–497. https://doi.org/10.1108/IJHMA-08-2017-0069
8. Chia, J., Harun, A., Wahid, A., Kassim, M., Martin, D., & Kepal, N. (2016). Understanding Factors That Influence House Purchase Intention Among Consumers in Kota Kinabalu : An Application of Buyer Behavior Model Theory. Journal of Technology Management and Business, 03(02), 94–110.
9. Chuon, A., Hamzah, H., & Sarip, A. G. (2017). Conceptualising Luxury Residential Property For Marketing. GEOGRAFIA Online Malaysia Journal of Society and Space, 13(2), 33–43.
10. Ertz, M., Karakas, F., & Sarigöllü, E. (2016). Exploring pro-environmental behaviors of consumers: An analysis of contextual factors, attitude, and behaviors. Journal of Business Research, 69(10), 3971–3980. https://doi.org/10.1016/j.jbusres.2016.06.010
11. Florida, R., & Schneider, B. (2018). The Global Housing Crisis. https://www.citylab.com/equity/2018/04/the-global-housing-crisis/557639/
12. Guagnano, G. A., Stern, P. C., & Dietz, T. (1995). Influences on Attitude-Behavior Relationships: A Natural Experiment with Curbside Recycling. Environment and Behavior, 27(5), 699–718. https://doi.org/10.1177/0013916595275005
13. Kaur, B., & Hassan, Z. (2018). Impact of Age, Gender, Income, Education and Financial Literacy Towards Retirement Planning Among Generation “Y” in Malaysia. International Journal of Education, Learning and Training, 3(December), 30–53. https://doi.org/10.24924/ijelt/2018.11/v3.iss1/30.53
14. Kotler, P., & Armstrong, G. (2000). Prinsip Pemasaran (G. Jaafar, Ed.; 8th ed.). Prentice Hall.
15. Lateef Olanrewaju, A., & Idrus, A. (2019). What is determining affordable housing shortages in the Greater Kuala Lumpur, Malaysia? Property Management, Table I. https://doi.org/10.1108/PM-05-2019-0025
16. Lim, Y. S., Omar, A., & Thurasamy, R. (2015). Online Purchase: A Study of Generation Y in Malaysia. International Journal of Business and Management, 10(6), 1–7. https://doi.org/10.5539/ijbm.v10n6p298
17. Liu, Y., & Li, Z. (2018). Determinants of housing purchase decision: An empirical study of the high education cohort in urban China. Journal of Asian Architecture and Building Engineering, 17(2), 299–305. https://doi.org/10.3130/jaabe.17.299
18. Mariadas, P. A., Abdullah, H., & Abdullah, N. (2019). Factors Affecting Purchasing Decision of Houses in the Urban Residential Property Market in Klang Valley, Malaysia. E-Bangi, 16(4), 1–9.
19. Mohd Thas Thaker, H., & Chandra Sakaran, K. (2016). Prioritisation of key attributes influencing the decision to purchase a residential property in Malaysia: An analytic hierarchy process (AHP) approach. International Journal of Housing Markets and Analysis, 9(4), 446–467. https://doi.org/10.1108/IJHMA-09-2015-0052
20. Murugiah, S. (2020). 70% of Malaysians in need of financial literacy support. The Edge Markets. https://www.theedgemarkets.com/article/creador-70-malaysians-need-financial-literacy-support
21. Nik Mohammad, N. F., Razali, S. S., & Che Mohd Salleh, M. (2021). QUALITATIVE STUDY IN IDENTIFYING FACTORS AFFECTING THE BEHAVIOR OF MUSLIM GENERATION Y TOWARDS ISLAMIC HOME FINANCING PRODUCTS IN MALAYSIA. The Journal of Muamalat and Islamic Finance Research, 18(2), 1–12.
22. Olander, F., & Thogersen, J. (2005). The A-B-C of Recycling. E- European Advances in Consumer Research, 7, 297–302.
23. Olanrewaju, A. L., & Woon, T. C. (2017). An exploration of determinants of affordable housing choice. International Journal of Housing Markets and Analysis, 10(5), 703–723. https://doi.org/10.1108/IJHMA-11-2016-0074
24. Opoku, R. A., & Abdul-Muhmin, A. G. (2010). Housing preferences and attribute importance among low-income consumers in Saudi Arabia. Habitat International, 34(2), 219–227. https://doi.org/10.1016/j.habitatint.2009.09.006
25. PR1MA Annual Report. (2016). Creating Values , Realising Dreams. https://www.pr1ma.my/uploads/annualreport/annual_report_2016_en.pdf
26. Property Market Activity. (2022). https://napic.jpph.gov.my/portal/web/guest/main-page?p_p_id=ViewHighlights_WAR_ViewHighlightsportlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&p_p_col_id=column-1&p_p_col_count=1&_ViewHighlights_WAR_ViewHighlightsportlet_action=renderViewListScreen&pageno=2&language=en_US&searchString=
27. Property Market Status. (2022). https://napic.jpph.gov.my/portal/web/guest/main-page?p_p_id=ViewHighlights_WAR_ViewHighlightsportlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&p_p_col_id=column-1&p_p_col_count=1&_ViewHighlights_WAR_ViewHighlightsportlet_action=renderViewListScreen&pageno=2&language=en_US&searchString=
28. Residential Prices Update 2021. (2022). https://napic.jpph.gov.my/portal
29. Saeed, Z. (2019). A Study of Theories on Consumer Behavior. Journal of Computing and Management Studies, 3(1). https://doi.org/10.13140/RG.2.2.14215.85929
30. Schiffman, L. G., & Kanuk, L. L. (2006). Consumer Behavior (K. Stevens, Ed.; 9th ed.). Pearson Prentice Hall.
31. Soon, A., & Tan, C. (2019). An analysis on housing affordability in Malaysian housing markets and the home buyers’ preference. International Journal of Housing Markets and Analysis, ahead-of-p(ahead-of-print). https://doi.org/10.1108/ijhma-01-2019-0009
32. Sundrani, D. M. (2018). Factors influencing home-purchase decision of buyers of different types of apartments in India. International Journal of Housing Markets and Analysis, 11(4), 609–631. https://doi.org/10.1108/IJHMA-06-2017-0062
33. Tahir, A., uz Zafar Khan, A., & Khan Mahmood, A. (2016). Right to Basic Necessities of Life in Islam: Meaning and Concept. The Diologue , 11(2), 204–212.
34. Tan, T. H., & Lee, J. H. (2018). Assessing the determinants of retirement home ownership among Malaysian young-old seniors. 11(4), 687–700. https://doi.org/10.1108/IJHMA-08-2017-0072
35. Visitnitikija, C., & Chonphunnon, A. (2016). Factors Effecting Consumer Behavior of Buying a Single Housing Estate. Internationa Research Journal of Advanced Engineering and Science, 2(1), 39–41.
36. World Bank Group. (2019). Malaysia Economic Monitor: Making Ends Meet (Issue December). https://www.worldbank.org/en/country/malaysia/publication/malaysia-economic-monitor-making-ends-meet
37. Xu, X., Maki, A., Chen, C. fei, Dong, B., & Day, J. K. (2017). Investigating willingness to save energy and communication about energy use in the American workplace with the attitude-behavior-context model. Energy Research and Social Science, 32, 13–22. https://doi.org/10.1016/j.erss.2017.02.011
38. Yusof, R. M., Khan, S. J. M., Yusuf, F. M., & Majid, N. H. A. (2019). Bridging the supply and demand gap for affordable home ownership in Malaysia: The roles of government and financial institutions. Planning Malaysia, 17(1), 160–175. https://doi.org/10.21837/pmjournal.v17.i9.595
39. Zeng, R. (2013). Attributes influencing home buyers’ purchase decisions: a quantitative study of the Wuhan resedential housing market. Southern Cross University.
40. Zepeda, L., & Deal, D. (2009). Organic and local food consumer behaviour : International Journal of Consumer Studies, 33, 697–705. https://doi.org/10.1111/j.1470-6431.2009.00814.x
41. Zhang, L., Chen, L., Wu, Z., Zhang, S., & Song, H. (2018). Investigating young consumers’ purchasing intention of green housing in China. Sustainability (Switzerland), 10(4), 1–15. https://doi.org/10.3390/su10041044