Wahyuningsih S, Muslinawati R. When Fear Outweighs Knowledge: Tax Sanctions, Government Service, and Tax Compliance among Savings and Loan Cooperatives. PMAR [Internet]. 30 Juli 2026 [dikutip 21 September 2026];7(2):86-103. Tersedia pada: https://dhsjournal.id/index.php/PMAR/article/view/268