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 [Internet]. 2026 Jan. 13 [cited 2026 Mar. 19];7(1). Available from: https://ojs.aaresearchindex.com/index.php/aasgbcpjmra/article/view/15811