Hani Handoko, Gadjah Mada University Hasnah Hj. Haron, University Sains Malaysia Herwidayatmo,...
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Hani Handoko, Gadjah Mada University Hasnah Hj. Haron, University Sains Malaysia Herwidayatmo, Ministry of Financial Imam Gozali, Diponegoro University Ishak Ismail , Universiti