DEWI SARASWATI, Nurul; HANDAYANI, Dwini. Analisis Moral Hazard dalam Kebijakan Pelindungan WNI/PMI: Penyebab Pilihan Non-Prosedural. Journal of Accounting and Finance Management, [S. l.], v. 7, n. 3, p. 875–887, 2026. DOI: 10.38035/jafm.v7i3.3450. Disponível em: https://dinastires.org/JAFM/article/view/3450. Acesso em: 11 jul. 2026.