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M. A. Yahya, S. H. Othman, S. Abu Hassan, N. J. Abd Wahab, and H. Duerama, “KESAN PINJAMAN TERHADAP KEHIDUPAN INDIVIDU DI MALAYSIA”, ULWAN, vol. 10, no. 2, pp. 215–226, Dec. 2025, Accessed: Mar. 17, 2026. [Online]. Available: https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/2066