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ANALISIS MODEL CREDIT SCORING PADA PENILAIAN KELAYAKAN DEBITUR KREDIT USAHA RAKYAT BANK BNI SEBAGAI SALAH SATU STRATEGI MENURUNKAN NON PERFORMING LOAN SEKTOR UMKM (STUDI KASUS: BNI SKC JATINEGARA JAKARTA PERIODE 2011-2013)
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