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Umam, Fachru Nurul, Master of Science in Islamic Finance, INCEIF The Global University of Islamic Finance (Malaysia)
Utami, Yuli, Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Muhammadiyah Yogyakarta (Indonesia)
Utami, Yuli, Departement of Economics, Faculty of Economics and Business, Universitas Muhammadiyah Yogyakarta (Indonesia)

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