Shaheera Noman, Taqadus Bashir, Saman Javed. 2020. “TAKING CHARGE OF YOUR LIFE: LOCUS OF CONTROL, SELF-EFFICACY AND SAVING BEHAVIOR”. International Journal of Advanced Science and Technology 29 (6s), 569 -87. http://sersc.org/journals/index.php/IJAST/article/view/8877.