Answer
References
Sherraden, M. S. (2018). Financial capability and asset building in vulnerable households: Theory and practice. Oxford University Press.
Parenthetical citation: (Sherraden, 2018)
Narrative citation: Sherraden (2018) argues that "people certainly need financial knowledge and skills, but overhauls and reforms in financial services and social policies are also necessary" (p. 7).
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