APA (7th ed.) Citation

Malay, M. (2013). Stubborn PTPTN borrowers cruel to other students. Malay Mail.

Chicago Style (17th ed.) Citation

Malay, Mail. Stubborn PTPTN Borrowers Cruel to Other Students. Malay Mail, 2013.

MLA (9th ed.) Citation

Malay, Mail. Stubborn PTPTN Borrowers Cruel to Other Students. Malay Mail, 2013.

Warning: These citations may not always be 100% accurate.