MEASURING THE IMPACT OF RETURN AND REFUND POLICIES ON CONSUMER SATISFACTION AND LOYALTY IN B2C E-COMMERCE : A CASE STUDY ON ONLINE SHOPPING EXPERIENCE IN SPX EXPRESS NOVALICHES HUB. AASgBCPJMRA. 2026;7(1). Accessed March 19, 2026. https://ojs.aaresearchindex.com/index.php/aasgbcpjmra/article/view/15811