THE IMPACT OF PHYSICAL DOCUMENT UTILIZATION ON THE EFFECTIVENESS OF PUBLIC FINANCIAL ADMINISTRATION: A CASE STUDY OF BANK BJB KCP PEMKOT BANDUNG 1. jat [Internet]. 2025 Aug. 14 [cited 2025 Oct. 9];4(1):60-7. Available from: https://journal.unita.ac.id/index.php/jat/article/view/1733