Setiawan, Danang, and Hafizh Nur Novriansyah. 2022. “Investing in Mutual Funds Before and During the Covid-19 Pandemic: An Analysis Using Markov Chain”. Jurnal INTECH Teknik Industri Universitas Serang Raya 8 (2): 127-32. https://doi.org/10.30656/intech.v8i2.4907.