MALAHAYATI, Nunki; SUROSO, Arif Imam; SARI, Linda Karlina. The Influence of Motivation, Ability, and Opportunity (MAO) and Strategy on The Use of Auto-Debit in Paying JKN Contributions. Jurnal Aplikasi Bisnis dan Manajemen, [S. l.], v. 12, n. 2, p. 423, 2026. DOI: 10.17358/jabm.12.2.423. Disponível em: https://journal.ipb.ac.id/jabm/article/view/64531. Acesso em: 21 jun. 2026.