Zulkifli, Nurul Cahiriah, Faculty of Economics and Management, Universiti Kebangsaan Malaysia, 43600 Bangi, Selangor, Malaysia (Malaysia)
Zulkiple, Nurul Adibah, Uitm Shah Alam (Malaysia)
Zulkipli, Ummielmassyuria
Zuwairi Mat Saad, Mohd

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