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Octavina, Larissa Adella, Satya Wacana Christian University (Indonesia)
Oktarina, Dian, STIE Perbanas Surabaya (Indonesia)
Oktaviani Satriyanti, Evi, STIE Perbanas Surabaya (Indonesia)
Oktavianti, Fitriana, STIE Perbanas Surabaya (Indonesia)

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