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M. A. Yahya, M. Mazlan, and S. Abu Hasan, “FAKTOR YANG MENDORONG INDIVIDU UNTUK MEMBUAT PEMBIAYAAN PERIBADI”, ULWAN, vol. 5, no. 1, pp. 126–133, Oct. 2020, Accessed: Mar. 17, 2026. [Online]. Available: https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/674