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Yahya MA, Othman SH, Abu Hassan S, Abd Wahab NJ, Duerama H. KESAN PINJAMAN TERHADAP KEHIDUPAN INDIVIDU DI MALAYSIA. ULWAN [Internet]. 2025 Dec. 24 [cited 2026 Mar. 17];10(2):215-26. Available from: https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/2066