El Hafiz, S., Jaafar, J. L., & Muhamad, A. S. (2026). THE IMPACT OF PERSONALITY TRAITS ON THE FEAR OF DIVINE PUNISHMENT AMONG MUSLIM PARTICIPANTS IN INDONESIA. INTERNATIONAL JOURNAL OF EDUCATION, PSYCHOLOGY AND COUNSELLING (IJEPC), 11(63), 426–436. https://doi.org/10.35631/IJEPC.1163024