N. . Malahayati, A. I. Suroso, and L. K. . Sari, “The Influence of Motivation, Ability, and Opportunity (MAO) and Strategy on The Use of Auto-Debit in Paying JKN Contributions”, jabm, vol. 12, no. 2, p. 423, May 2026, doi: 10.17358/jabm.12.2.423.