Digital Administrative Bottleneck dalam Operasional Kredit Konsumer: Studi Observasi pada BNI Cabang Makassar. Jurnal Intelek Dan Cendikiawan Nusantara, [S. l.], v. 3, n. 03, p. 4840–4848, 2026. Disponível em: https://jicnusantara.com/index.php/jicn/article/view/7374. Acesso em: 26 jul. 2026.