THE ROLE OF LOCUS OF CONTROL IN CONSUMER CREDIT DEBT BEHAVIOR  DURING THE PANDEMIC COVID-19 BY USING RELIGIOSITY AS A MODERATING VARIABLE

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Moch Nurhidayat
Faculty of Economics and Management, Tribhuwana Tunggadewi University, Indonesia
Indonesia

Hadri Kusuma
Faculty of Business and Economics, Indonesian Islamic University, Indonesia
Indonesia

Syafiq Mahmadah Hanafi
Faculty of Islamic Economics and Business, Sunan Kalijaga State Islamic University, Indonesia
Indonesia

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