Alya Ruina Antalina, Silvi Erli Nurhavilah, and Wafiq Meilani Walikarna, “THE IMPACT OF PHYSICAL DOCUMENT UTILIZATION ON THE EFFECTIVENESS OF PUBLIC FINANCIAL ADMINISTRATION: A CASE STUDY OF BANK BJB KCP PEMKOT BANDUNG 1”, jat, vol. 4, no. 1, pp. 60-70, Aug. 2025.