Rafiqul Islam, Shaikh, Selvan Perumal, and Zolkafli Hussin. 2020. “Relational Norms, Happiness and Customer Satisfaction in Micro Finance Institution’s (MFI’s): A Conceptual Framework”. Journal of Advanced Research in Business and Management Studies 9 (1):1-9. https://akademiabaru.com/submit/index.php/arbms/article/view/1273.