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    Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur
    by Ali, Khairudin
    Published 2011
    “... and affect the performance of civil servants as a result of over-indebtedness problems. Now a days, the over...”
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