Permata RFM, Juanda A, Leniwati D. INTEGRATION OF TECHNOLOGY-BASED INTERNAL CONTROL SYSTEMS TO MINIMIZE THE RISK OF BAD DEBTS IN MICRO CREDIT PROGRAMS. jaa [Internet]. 2025Aug.21 [cited 2025Nov.6];10(1):104-18. Available from: https://jaa.unram.ac.id/index.php/jaa/article/view/689