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Zainal Abidin , Shariff Ghazali (2004) Requirement Model for Water Billing Information System. Masters thesis, Universiti Utara Malaysia.
Zainal Fahrezal Ghazali: Committee Members: Belbir Singh Ahmad Eugene Lee Mazlan Harry Tan Syamsul Raja Kumar Azrin Johari Hassan Bacho Bernard Chew Jimmy Sek
Hanudin Amin, Mohd Fahmi Ghazali and Rostinah Supinah. t.th. Determinants of Qardhul Hassan Financing Acceptance among Malaysian Bank Customers: An Empirical Analysis.
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