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Mohd Hasini, Noor Fariza, Nurul Aini Md Rais, and Roslinawati Ibrahim. “FAKTOR PENENTU KREDIT PERDAGANGAN DI MALAYSIA”. Jurnal ’Ulwan 6, no. 3 (December 29, 2021): 189–206. Accessed March 17, 2026. https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/1001.