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Tersedia pada: &lt;<a href="https://ejournal.pelitaindonesia.ac.id/ojs32/index.php/lucrum/article/view/4284" target="_new">https://ejournal.pelitaindonesia.ac.id/ojs32/index.php/lucrum/article/view/4284</a>&gt;. Tanggal Akses: 16 feb. 2026