Alya Ruina Antalina, Silvi Erli Nurhavilah, 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 [Internet]. 2025Aug.14 [cited 2025Sep.13];4(1):60-. Available from: https://journal.unita.ac.id/index.php/jat/article/view/1733