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Yahya, M.A., Mazlan, M. and Abu Hasan, S. (2020) “FAKTOR YANG MENDORONG INDIVIDU UNTUK MEMBUAT PEMBIAYAAN PERIBADI”, Jurnal ’Ulwan, 5(1), pp. 126–133. Available at: https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/674 (Accessed: 17 March 2026).