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1 1 10 PENGARUH AKSES PERMODALAN, E-PAYMENT, DIGITAL ACCOUNTING, DAN EFEKTIVITAS PENGAMBILAN KEPUTUSAN TERHADAP KINERJA UMKM (Studi Empiris pada UMKM Di Kecamatan Sapuran) Arum May Saroh Pengarang mixed material 20240624 Wonosobo Universitas Sains Al-Qur'an 2024 Arum.png.png