DETERMINANTS OF BANK OFFICERS’ INTENTION TO REPAYMENT RISK MINIMIZATION OF SMALL AND MEDIUM SIZED ENTERPRISES IN MALAYSIA - Yong, Wooi Keong, 1972-, author; Maizadulaidawati Md. Husin, supervisor; Sekolah Perniagaan Antarabangsa Azman Hashim 617120 (Johor Bahru, Johor : Universiti Teknologi Malaysia, 2022)