Shamshubaridah Ramlee, Nor Azlan Ghazali. Interest Rates Uncertainty, Immediacy Cost and the Role of Banks. aamjaf. 2006;2(2): 61–74. Accessed March 14, 2026. https://ejournal.usm.my/aamjaf/article/view/aamjaf_vol2-no2-2006_4