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FAHREZY, PRAMUDIA BAGAS ANANDA (2025) PENGARUH INKLUSI KEUANGAN FINANCIAL TECHNOLOGY MANAJEMEN RESIKO TERHADAP KINERJA KEUANGAN UMKM FOOD AND BEVERAGE DI KECAMATAN KALIBARU KABUPATEN BANYUWANGI. Undergraduate thesis, UNIVERSITAS MUHAMADIYAH JEMBER.

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