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YAHYA, Mohd Azam; OTHMAN, Shahrul Hilmi; ABU HASSAN, Suhaimi; ABD WAHAB, Noor Jeffri; DUERAMA, Hana. KESAN PINJAMAN TERHADAP KEHIDUPAN INDIVIDU DI MALAYSIA. Jurnal ’Ulwan, [S. l.], v. 10, n. 2, p. 215–226, 2025. Disponível em: https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/2066. Acesso em: 17 mar. 2026.