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Yahya, Mohd Azam, Shahrul Hilmi Othman, Suhaimi Abu Hassan, Noor Jeffri Abd Wahab, and Hana Duerama. “KESAN PINJAMAN TERHADAP KEHIDUPAN INDIVIDU DI MALAYSIA”. Jurnal ’Ulwan 10, no. 2 (December 24, 2025): 215–226. Accessed March 17, 2026. https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/2066.