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Yahya, Mohd Azam, Muslihah Mazlan, and Suhaimi Abu Hasan. “FAKTOR YANG MENDORONG INDIVIDU UNTUK MEMBUAT PEMBIAYAAN PERIBADI”. Jurnal ’Ulwan 5, no. 1 (October 26, 2020): 126–133. Accessed March 17, 2026. https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/674.