MahmoodH., and NoorS. “cceptance, ffectiveness and elationship of lended earning mplementation mong ecturers in olytechnic ultan izan ainal bidin”. JIEEB nternational ournal of ntegrated ducation, ngineering and usiness ISSN 2615-1596 ISSN 2615-2312, ol. 3, no. 1, July 2020, pp. 1-9, doi:10.29138/ijieeb.v3i1.1077.