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Herdinata, Christian and Kohardinata, Cliff (2016) Kebijakan Manajemen Utang Bagi Pengembangan Usaha Skala Menengah di Surabaya. In: Seminar Nasional VIII 2016 Fakultas Ekonomi UT: Challenge and Strategy Faculty of Economics and Business in Digital Era, 24 November 2016, Balai Sidang Universitas Terbuka (UTCC).