@phdthesis{universitasamikomyogyakarta31141,
           month = {September},
            year = {2025},
           title = {\{SKEMA ARTIKEL JURNAL\} PENGURANGAN KETIDAKPASTIAN DESK COLLECTION DALAM PENAGIHAN TUNGGAKAN NASABAH PAYLATER},
          author = {Dimas Agung Widodo},
          school = {Universitas AMIKOM Yogyakarta},
        keywords = {Desk Collection, Nasabah, Paylater, E-Commerce},
             url = {https://eprints.amikom.ac.id/id/eprint/31141/}
}