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Effendi, Moch. Bisyri
Ekaningtias, Diah, Hayam Wuruk Perbanas University (Indonesia)
Ely, Lathifa Mariana, Universitas Hayam Wuruk Perbanas Surabaya
Ernawati, Erni, Universitas Hayam Wuruk Perbanas Surabaya (Indonesia)

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