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Malini, Helma, Tanjungpura University, Palangkaraya
Mandalia, Siska, UIN Mahmud Yunus Batusangkar
Martati, Indah , Business Administration Department, Samarinda State Polytechnic,Samarinda, Indonesia
Muhammad, Alfian, Perbankan Syariah, IAIN Langsa, Indonesia
Mustafa, Delly, Universitas Pejuang Republik Indonesia, Indonesia

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