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Keywords Malaysia OECD Pembiayaan Peribadi Penjawat Awam etika perniagaan hak pengguna hukum Islam semasa kosmetik halal label literasi kewangan maqasid al-shari’ah maslahah pascasiswazah patuh syariah pengetahuan perlindungan pengguna produk sunnah salah guna sunnah trend pengguna universiti uruf