Zainal, Nurazilah, Kamarudin, Fakarudin, Law, Siong Hook, Bakri, Mohammed Hariri, Sufian, Fadzlan, AND Nassir, Annuar Md. " Regulation, Supervision and Social and Financial Efficiency of Microfinance Institutions in ASEAN-5 Countries" Malaysian Journal of Economic Studies [Online], Volume 57 Number 2 (14 December 2020)