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Yahya, Mohd Azam, Shahrul Hilmi Othman, Suhaimi Abu Hassan, Noor Jeffri Abd Wahab, and Hana Duerama. 2025. “KESAN PINJAMAN TERHADAP KEHIDUPAN INDIVIDU DI MALAYSIA”. Jurnal ’Ulwan 10 (2): 215-26. https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/2066.