Microcredit and Poverty Alleviation: A Bibliometric Analysis of Global Research Trends and Intellectual Structure Space
Keywords:
Microcredit, Poverty alleviation, Financial inclusion, Bibliometric analysis, Sustainable development
Abstract
This study conducts a comprehensive bibliometric analysis to map the global research landscape on microcredit and poverty alleviation, addressing the central question: What are the global research trends and intellectual structures within this field? The analysis follows a systematic approach guided by the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) framework to ensure transparency and replicability. A total of 257 Scopus-indexed publications from 1996 to 2026 were examined. To ensure analytical robustness, the study employed Harzing’s Publish or Perish (PoP) and OpenRefine to extract and refine citation metrics, facilitating the calculation of key indicators such as the h-index, g-index, citation counts, and average citations per paper (Harzing, 2007). The study also employs VOSviewer to examine publication patterns, co-authorship networks, keyword co-occurrence, and network visualization. In addition, the results reveal a steady increase in publications since 2017, aligned with the Sustainable Development Goals and digital financial inclusion initiatives. World Development, Journal of Development Studies, and Economic and Political Weekly emerged as the most active source titles. Citation analysis demonstrates a mature intellectual structure, with highly cited works such as Karlan and Zinman (2011) and Crépon et al. (2015) highlighting a methodological shift toward causal inference. Collectively, the findings underscore the field’s evolution toward interdisciplinary, evidence-based inquiry that continues to shape global poverty alleviation discourse.
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References
Ahmed, F., Siwar, C., & Idris, N. A. H. (2011). Microcredit and poverty alleviation in Malaysia: A review of issues and challenges. African Journal of Business Management, 5(20), 8376–8384. https://doi.org/10.5897/AJBM11.965
Akbari, M., Nikijo, I., Khodapanah, B., & Padash, H. (2025). Forty years of microfinance research and its impact on consumers: A review and research agenda using the ADO-TCM framework. International Journal of Consumer Studies. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/105011825937?origin=scopusAI
Alhassan, A., & Sakara, A. (2014). Impact of microcredit on poverty reduction in Ghana: Evidence from policy beneficiaries. Journal of Business and Management, 16(4), 27–36.
Ali, A., Ramakrishnan, S., Faisal, F., & Ullah, Z. (2023). Bibliometric analysis of global research trends on microfinance institutions and microfinance: Suggesting new research agendas. International Journal of Finance & Economics, 28(2), 1231–1249. https://doi.org/10.1002/ijfe.2619
Archambault, É., Vignola-Gagné, É., Côté, G., Larivière, V., & Gingras, Y. (2010). Benchmarking scientific output in the social sciences and humanities: The limits of existing databases. Scientometrics, 68(3), 329–342. https://doi.org/10.1007/s11192-006-0115-z
Ascarya. (2014). Sustainable microfinance through integration of zakah and awqaf. Islamic Economic Studies, 22(1), 79–108. https://doi.org/10.12816/0004131
Attanasio, O., Augsburg, B., De Haas, R., Fitzsimons, E., & Harmgart, H. (2015). The impacts of microfinance: Evidence from joint-liability lending in Mongolia. American Economic Journal: Applied Economics, 7(1), 224–253. https://doi.org/10.1257/app.20130331
Banerjee, A. V., Karlan, D., & Zinman, J. (2015). Six randomized evaluations of microcredit: Introduction and further steps. American Economic Journal: Applied Economics, 7(1), 1–21. https://doi.org/10.1257/app.20140287
Barsoum, G. (2006). Who gets credit? The gendered division of microfinance programs in Egypt. Canadian Journal of Development Studies, 27(1), 51–64. https://doi.org/10.1080/02255189.2006.9668945
Bateman, M., & Chang, H. J. (2012). Microfinance and the illusion of development: From hubris to nemesis in thirty years. World Economic Review, 1, 13–36.
Bhuiyan, A. B. (2014). Microcredit and sustainable livelihood: An empirical study of Amanah Ikhtiar Malaysia. Journal of Social and Development Sciences, 5(1), 33–39.
Bhuiyan, A. B., Siwar, C., Ismail, A. G., & Omar, N. (2017). The experiences of the Grameen and Islami Bank microfinance on the poverty alleviation in Bangladesh. Journal of Islamic Economics, Banking and Finance, 13(2), 39–54. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85034613989?origin=scopusAI
Burket, I. (2018). Globalised microfinance: Economic empowerment or just debt? In Revitalising communities in a globalising world (pp. 97–114). Routledge. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85144402706?origin=scopusAI
Cairó i Céspedes, G., & Gómez González, L. K. (2015). The financial vs. the social approach of microfinance: A comparative global analysis. REVESCO Revista de Estudios Cooperativos, 118, 179–208. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/84943815594?origin=scopusAI
Crépon, B., Devoto, F., Duflo, E., & Parienté, W. (2015). Estimating the impact of microcredit on those who take it up: Evidence from a randomized experiment in Morocco. American Economic Journal: Applied Economics, 7(1), 158–192. https://doi.org/10.1257/app.20130535
Donthu, N., Kumar, S., Mukherjee, D., Pandey, N., & Lim, W. M. (2021). How to conduct a bibliometric analysis: An overview and guidelines. Journal of Business Research, 133, 285–296. https://doi.org/10.1016/j.jbusres.2021.04.070
Duarte, F., Gama, A. P. M., & Augusto, M. (2022). Microfinance sustainability: A systematic literature review and future research agenda. Journal of International Development, 34(5), 1023–1042. https://doi.org/10.1002/jid.3621
Falagas, M. E., Pitsouni, E. I., Malietzis, G. A., & Pappas, G. (2008). Comparison of PubMed, Scopus, Web of Science, and Google Scholar: Strengths and weaknesses. The FASEB Journal, 22(2), 338–342. https://doi.org/10.1096/fj.07-9492LSF
Felix, E. G. S. (2023). Microcredit: MSMEs and sustainable development. In The Palgrave handbook of global sustainability (pp. 235–252). Palgrave Macmillan. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85198685917?origin=scopusAI
Garcia, A., Lensink, R., & Voors, M. (2020). Does microcredit increase aspirational hope? Evidence from a group lending scheme in Sierra Leone. World Development, 127, 104744. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85077556387?origin=scopusAI
Garcia, A., Lensink, R., & Voors, M. (2020). Does microcredit increase aspirational hope? Evidence from a group lending scheme in Sierra Leone. World Development, 127, 104744. https://doi.org/10.1016/j.worlddev.2019.104744
Harzing, A. W. (2007). Publish or Perish [Computer software]. Tarma Software Research. https://harzing.com/resources/publish-or-perish
Hasan, M., Le, T., & Hoque, A. (2021). How does financial literacy impact on inclusive finance? Journal of Financial Stability, 57, 100928. https://doi.org/10.1016/j.jfs.2021.100928
Hassan, M. K., Alshater, M. M., Banna, H., & Alam, M. R. (2023). A bibliometric analysis on poverty alleviation. International Journal of Ethics and Systems, 39(2), 321–343. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85131579155?origin=scopusAI
Idris, N. A. H., & Siwar, C. (2007). Islamic microfinance in Malaysia: Review of issues and challenges. Humanomics, 23(3), 187–202. https://doi.org/10.1108/08288660710779302
Islam, M. A., Thottoli, M. M., Abdullah, A. B. M., & Rahman, S. (2024). The biggest global issues facing humankind: A meta-analysis of poverty alleviation and poverty eradication. Journal of Poverty. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85172809918?origin=scopusAI
Jahiruddin, A. T. M., Short, P., Dressler, W., & Khan, M. A. (2011). Can microcredit worsen poverty? Cases of exacerbated poverty in Bangladesh. Development in Practice, 21(8), 1109–1121. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/84860810204?origin=scopusAI
Kalpana, K. (2016). Women, microfinance and the state in Neo-liberal India. Routledge. https://doi.org/10.4324/9781315673546
Karlan, D., & Morduch, J. (2010). Access to finance. In Handbook of Development Economics (Vol. 5, pp. 4703–4784). Elsevier. https://doi.org/10.1016/B978-0-444-52944-2.00005-1
Karlan, D., & Zinman, J. (2011). Microcredit in theory and practice: Using randomized credit scoring for impact evaluation. Journal of Economic Perspectives, 25(2), 121–142. https://doi.org/10.1257/jep.25.2.121
Kato, A. I. (2023). Unlocking the potential of microfinance solutions on urban woman entrepreneurship development in East Africa: A bibliometric analysis perspective. Sustainability, 15(2), 897. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85199227119?origin=scopusAI
Kato, A. I. (2023). Unlocking the potential of microfinance solutions on urban woman entrepreneurship development in East Africa: A bibliometric analysis perspective. Sustainability, 15(4), 3567. https://doi.org/10.3390/su15043567
Lensink, R., & Pham, T. T. T. (2012). The impact of microcredit on self-employment profits in Vietnam. Economics of Transition, 20(1), 73–111. https://doi.org/10.1111/j.1468-0351.2011.00429.x
Mader, P. (2018). Contesting financial inclusion. Palgrave Macmillan. https://doi.org/10.1007/978-3-319-93220-0
Moed, H. F. (2017). Applied evaluative informetrics. Springer. https://doi.org/10.1007/978-3-319-60522-7
Mongeon, P., & Paul-Hus, A. (2016). The journal coverage of Web of Science and Scopus: A comparative analysis. Scientometrics, 106(1), 213–228. https://doi.org/10.1007/s11192-015-1765-5
Morduch, J. (1999). The microfinance promise. Journal of Economic Literature, 37(4), 1569–1614. https://doi.org/10.1257/jel.37.4.1569
Nair, T. S. (2010). Commercial microfinance and social responsibility: A critique. Economic and Political Weekly, 45(31), 22–26.
Nogueira, S., Duarte, F., & Gama, A. P. (2020). Microfinance: Where are we and where are we going? Development in Practice, 30(8), 1024–1035. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85087462201?origin=scopusAI
Obaidullah, M., & Khan, T. (2008). Islamic microfinance development: Challenges and initiatives. Islamic Research and Training Institute.
Phan, C. T., Vo, T. T., & Vo, D. T. H. (2023). Can microcredit reduce vulnerability to poverty? Evidence from rural Vietnam. Review of Development Economics, 27(4), 1743–1760. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85139662225?origin=scopusAI
Sarkodie, E. E., & Maloma, I. (2025). Evaluating the impact of microcredit on poverty prevalence in Sub-Saharan Africa. Asian Economic and Financial Review, 15(2), 123–142. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/105016637643?origin=scopusAI
Siwar, C., & Ahmed, F. (2008). Microfinance capacity assessment of poverty alleviation in Malaysia: A case study of Amanah Ikhtiar Malaysia. Journal of Humanomics, 24(3), 229–248. https://doi.org/10.1108/08288660810899377
Van Eck, N. J., & Waltman, L. (2010). Software survey: VOSviewer, a computer program for bibliometric mapping. Scientometrics, 84(2), 523–538. https://doi.org/10.1007/s11192-009-0146-3
Verborgh, R., & De Wilde, M. (2013). Using OpenRefine: The essential guide to data cleaning and transformation. Packt Publishing Ltd.
Weiser, S. D., Bukusi, E. A., Steinfeld, R. L., Frongillo, E. A., Weke, E., Dworkin, S. L., Pusateri, K., Shiboski, S., Scow, K., Butler, L. M., & Cohen, C. R. (2015). Shamba Maisha: Randomized controlled trial of an agricultural and finance intervention to improve HIV health outcomes. Journal of the International AIDS Society, 18(1), 20044. https://doi.org/10.7448/IAS.18.1.20044
Weiser, S. D., Riley, E. D., Ragland, K., Hammer, G., & Bangsberg, D. R. (2008). Brief report: Social capital and access to health care among HIV-infected individuals in San Francisco. Journal of General Internal Medicine, 23(9), 1380–1383. https://doi.org/10.1007/s11606-008-0662-6
Xiao, Y., & Watson, M. (2019). Guidance on conducting a systematic literature review. Journal of Planning Education and Research, 39(1), 93–112. https://doi.org/10.1177/0739456X17723971
Yunus, M. (2007). Creating a world without poverty: Social business and the future of capitalism. PublicAffairs.
Akbari, M., Nikijo, I., Khodapanah, B., & Padash, H. (2025). Forty years of microfinance research and its impact on consumers: A review and research agenda using the ADO-TCM framework. International Journal of Consumer Studies. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/105011825937?origin=scopusAI
Alhassan, A., & Sakara, A. (2014). Impact of microcredit on poverty reduction in Ghana: Evidence from policy beneficiaries. Journal of Business and Management, 16(4), 27–36.
Ali, A., Ramakrishnan, S., Faisal, F., & Ullah, Z. (2023). Bibliometric analysis of global research trends on microfinance institutions and microfinance: Suggesting new research agendas. International Journal of Finance & Economics, 28(2), 1231–1249. https://doi.org/10.1002/ijfe.2619
Archambault, É., Vignola-Gagné, É., Côté, G., Larivière, V., & Gingras, Y. (2010). Benchmarking scientific output in the social sciences and humanities: The limits of existing databases. Scientometrics, 68(3), 329–342. https://doi.org/10.1007/s11192-006-0115-z
Ascarya. (2014). Sustainable microfinance through integration of zakah and awqaf. Islamic Economic Studies, 22(1), 79–108. https://doi.org/10.12816/0004131
Attanasio, O., Augsburg, B., De Haas, R., Fitzsimons, E., & Harmgart, H. (2015). The impacts of microfinance: Evidence from joint-liability lending in Mongolia. American Economic Journal: Applied Economics, 7(1), 224–253. https://doi.org/10.1257/app.20130331
Banerjee, A. V., Karlan, D., & Zinman, J. (2015). Six randomized evaluations of microcredit: Introduction and further steps. American Economic Journal: Applied Economics, 7(1), 1–21. https://doi.org/10.1257/app.20140287
Barsoum, G. (2006). Who gets credit? The gendered division of microfinance programs in Egypt. Canadian Journal of Development Studies, 27(1), 51–64. https://doi.org/10.1080/02255189.2006.9668945
Bateman, M., & Chang, H. J. (2012). Microfinance and the illusion of development: From hubris to nemesis in thirty years. World Economic Review, 1, 13–36.
Bhuiyan, A. B. (2014). Microcredit and sustainable livelihood: An empirical study of Amanah Ikhtiar Malaysia. Journal of Social and Development Sciences, 5(1), 33–39.
Bhuiyan, A. B., Siwar, C., Ismail, A. G., & Omar, N. (2017). The experiences of the Grameen and Islami Bank microfinance on the poverty alleviation in Bangladesh. Journal of Islamic Economics, Banking and Finance, 13(2), 39–54. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85034613989?origin=scopusAI
Burket, I. (2018). Globalised microfinance: Economic empowerment or just debt? In Revitalising communities in a globalising world (pp. 97–114). Routledge. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85144402706?origin=scopusAI
Cairó i Céspedes, G., & Gómez González, L. K. (2015). The financial vs. the social approach of microfinance: A comparative global analysis. REVESCO Revista de Estudios Cooperativos, 118, 179–208. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/84943815594?origin=scopusAI
Crépon, B., Devoto, F., Duflo, E., & Parienté, W. (2015). Estimating the impact of microcredit on those who take it up: Evidence from a randomized experiment in Morocco. American Economic Journal: Applied Economics, 7(1), 158–192. https://doi.org/10.1257/app.20130535
Donthu, N., Kumar, S., Mukherjee, D., Pandey, N., & Lim, W. M. (2021). How to conduct a bibliometric analysis: An overview and guidelines. Journal of Business Research, 133, 285–296. https://doi.org/10.1016/j.jbusres.2021.04.070
Duarte, F., Gama, A. P. M., & Augusto, M. (2022). Microfinance sustainability: A systematic literature review and future research agenda. Journal of International Development, 34(5), 1023–1042. https://doi.org/10.1002/jid.3621
Falagas, M. E., Pitsouni, E. I., Malietzis, G. A., & Pappas, G. (2008). Comparison of PubMed, Scopus, Web of Science, and Google Scholar: Strengths and weaknesses. The FASEB Journal, 22(2), 338–342. https://doi.org/10.1096/fj.07-9492LSF
Felix, E. G. S. (2023). Microcredit: MSMEs and sustainable development. In The Palgrave handbook of global sustainability (pp. 235–252). Palgrave Macmillan. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85198685917?origin=scopusAI
Garcia, A., Lensink, R., & Voors, M. (2020). Does microcredit increase aspirational hope? Evidence from a group lending scheme in Sierra Leone. World Development, 127, 104744. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85077556387?origin=scopusAI
Garcia, A., Lensink, R., & Voors, M. (2020). Does microcredit increase aspirational hope? Evidence from a group lending scheme in Sierra Leone. World Development, 127, 104744. https://doi.org/10.1016/j.worlddev.2019.104744
Harzing, A. W. (2007). Publish or Perish [Computer software]. Tarma Software Research. https://harzing.com/resources/publish-or-perish
Hasan, M., Le, T., & Hoque, A. (2021). How does financial literacy impact on inclusive finance? Journal of Financial Stability, 57, 100928. https://doi.org/10.1016/j.jfs.2021.100928
Hassan, M. K., Alshater, M. M., Banna, H., & Alam, M. R. (2023). A bibliometric analysis on poverty alleviation. International Journal of Ethics and Systems, 39(2), 321–343. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85131579155?origin=scopusAI
Idris, N. A. H., & Siwar, C. (2007). Islamic microfinance in Malaysia: Review of issues and challenges. Humanomics, 23(3), 187–202. https://doi.org/10.1108/08288660710779302
Islam, M. A., Thottoli, M. M., Abdullah, A. B. M., & Rahman, S. (2024). The biggest global issues facing humankind: A meta-analysis of poverty alleviation and poverty eradication. Journal of Poverty. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85172809918?origin=scopusAI
Jahiruddin, A. T. M., Short, P., Dressler, W., & Khan, M. A. (2011). Can microcredit worsen poverty? Cases of exacerbated poverty in Bangladesh. Development in Practice, 21(8), 1109–1121. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/84860810204?origin=scopusAI
Kalpana, K. (2016). Women, microfinance and the state in Neo-liberal India. Routledge. https://doi.org/10.4324/9781315673546
Karlan, D., & Morduch, J. (2010). Access to finance. In Handbook of Development Economics (Vol. 5, pp. 4703–4784). Elsevier. https://doi.org/10.1016/B978-0-444-52944-2.00005-1
Karlan, D., & Zinman, J. (2011). Microcredit in theory and practice: Using randomized credit scoring for impact evaluation. Journal of Economic Perspectives, 25(2), 121–142. https://doi.org/10.1257/jep.25.2.121
Kato, A. I. (2023). Unlocking the potential of microfinance solutions on urban woman entrepreneurship development in East Africa: A bibliometric analysis perspective. Sustainability, 15(2), 897. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85199227119?origin=scopusAI
Kato, A. I. (2023). Unlocking the potential of microfinance solutions on urban woman entrepreneurship development in East Africa: A bibliometric analysis perspective. Sustainability, 15(4), 3567. https://doi.org/10.3390/su15043567
Lensink, R., & Pham, T. T. T. (2012). The impact of microcredit on self-employment profits in Vietnam. Economics of Transition, 20(1), 73–111. https://doi.org/10.1111/j.1468-0351.2011.00429.x
Mader, P. (2018). Contesting financial inclusion. Palgrave Macmillan. https://doi.org/10.1007/978-3-319-93220-0
Moed, H. F. (2017). Applied evaluative informetrics. Springer. https://doi.org/10.1007/978-3-319-60522-7
Mongeon, P., & Paul-Hus, A. (2016). The journal coverage of Web of Science and Scopus: A comparative analysis. Scientometrics, 106(1), 213–228. https://doi.org/10.1007/s11192-015-1765-5
Morduch, J. (1999). The microfinance promise. Journal of Economic Literature, 37(4), 1569–1614. https://doi.org/10.1257/jel.37.4.1569
Nair, T. S. (2010). Commercial microfinance and social responsibility: A critique. Economic and Political Weekly, 45(31), 22–26.
Nogueira, S., Duarte, F., & Gama, A. P. (2020). Microfinance: Where are we and where are we going? Development in Practice, 30(8), 1024–1035. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85087462201?origin=scopusAI
Obaidullah, M., & Khan, T. (2008). Islamic microfinance development: Challenges and initiatives. Islamic Research and Training Institute.
Phan, C. T., Vo, T. T., & Vo, D. T. H. (2023). Can microcredit reduce vulnerability to poverty? Evidence from rural Vietnam. Review of Development Economics, 27(4), 1743–1760. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/85139662225?origin=scopusAI
Sarkodie, E. E., & Maloma, I. (2025). Evaluating the impact of microcredit on poverty prevalence in Sub-Saharan Africa. Asian Economic and Financial Review, 15(2), 123–142. https://www-scopus-com.ezaccess.remotexs.co/pages/publications/105016637643?origin=scopusAI
Siwar, C., & Ahmed, F. (2008). Microfinance capacity assessment of poverty alleviation in Malaysia: A case study of Amanah Ikhtiar Malaysia. Journal of Humanomics, 24(3), 229–248. https://doi.org/10.1108/08288660810899377
Van Eck, N. J., & Waltman, L. (2010). Software survey: VOSviewer, a computer program for bibliometric mapping. Scientometrics, 84(2), 523–538. https://doi.org/10.1007/s11192-009-0146-3
Verborgh, R., & De Wilde, M. (2013). Using OpenRefine: The essential guide to data cleaning and transformation. Packt Publishing Ltd.
Weiser, S. D., Bukusi, E. A., Steinfeld, R. L., Frongillo, E. A., Weke, E., Dworkin, S. L., Pusateri, K., Shiboski, S., Scow, K., Butler, L. M., & Cohen, C. R. (2015). Shamba Maisha: Randomized controlled trial of an agricultural and finance intervention to improve HIV health outcomes. Journal of the International AIDS Society, 18(1), 20044. https://doi.org/10.7448/IAS.18.1.20044
Weiser, S. D., Riley, E. D., Ragland, K., Hammer, G., & Bangsberg, D. R. (2008). Brief report: Social capital and access to health care among HIV-infected individuals in San Francisco. Journal of General Internal Medicine, 23(9), 1380–1383. https://doi.org/10.1007/s11606-008-0662-6
Xiao, Y., & Watson, M. (2019). Guidance on conducting a systematic literature review. Journal of Planning Education and Research, 39(1), 93–112. https://doi.org/10.1177/0739456X17723971
Yunus, M. (2007). Creating a world without poverty: Social business and the future of capitalism. PublicAffairs.
Published
2025-11-23
How to Cite
Mohamed Isa, Z., Ahmad Zabib, Z. A., Lestari, R., & Ahmad, A. (2025). Microcredit and Poverty Alleviation: A Bibliometric Analysis of Global Research Trends and Intellectual Structure Space. Information Management and Business Review, 17(4(I), 94-111. https://doi.org/10.22610/imbr.v17i4(I).4740
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Copyright (c) 2025 Zuraidah Mohamed Isa, Zaiful Affendi Ahmad Zabib, Rini Lestari, Afida Ahmad
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