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Zahrah, Wulandini Az, Department of Management, Universitas Islam Indonesia, Yogyakarta, Indonesia
Zakiah, Selviana , Department of Islamic Economics, Graduates School of State Islamic University of Sunan Gunung Djati, Bandung, Indonesia
Zalzalah, Guruh Ghifar, Asean Business Institute, Universitas Islam Indonesia, Yogyakarta Indonesia
Zamarkasi, Ainul, Ethis Fintek Indonesia, Jakarta, Indonesia

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