Mohamad Saleh, M. S., S. Ismail, N. Othman, and N. R. Abu Bakar. “Foreign Bank Entry and Domestic Banks Profitability: The Role of Financial Freedom: Bank Asing Dan Keuntungan Bank Tempatan: Fungsi Kebebasan Kewangan”. Journal of Management and Muamalah , vol. 12, no. 2, Nov. 2022, pp. 144 -65, https://jmm.kuis.edu.my/index.php/jurnal/article/view/124.