“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” (2026) Ascendens Asia Singapore – Bestlink College of the Philippines Journal of Multidisciplinary Research, 7(1). Available at: https://ojs.aaresearchindex.com/index.php/aasgbcpjmra/article/view/15811 (Accessed: 19 March 2026).