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Wajdi, M Farid, Universitas Muhammadiyah Surakarta (Indonesia)
Wulandari, Nuri, Indonesia Banking School (Indonesia)

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ISSN: 2344-1321 (online)
Faculty of Economic Sciences, Vasile Alecsandri University of Bacau
Strada Spiru Haret nr. 8, Bacau, 600114, Romania