Cindy Henciana
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Affiliation: |
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All articles published
in Oblìk ì fìnansi
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under the CC BY-NC 4.0
in Oblìk ì fìnansi
can be read and shared
for noncommercial purposes
under the CC BY-NC 4.0
https://orcid.org/0009-0000-4268-1658