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1 1 10 DETERMINAN PENYALURAN KREDIT UMKM PADA BANK UMUM KONVERSIONAL DI INDONESIA (STUDI EMPIRIS PADA BANK UMUM DI BEI PRIODE 2018 SAMPAI 2020) Doyo Prasetyo Budi Pengarang mixed material 20221128 Wonosobo Universitas Sains Al-Qur'an 2022