CLIFF KOHARDINATA, 049912583 E and Noorlailie Soewarno, NIDN. 0025126402 and Bambang Tjahjadi (2020) Indonesian peer to peer lending (P2P) at entrant's disruptive trajectory. Business: Theory and Practice, 21 (1). pp. 104-114. ISSN 1648-0627, eISSN 1822-4202

CLIFF KOHARDINATA, 049912583 E and Novrys Suhardianto, - and Bambang Tjahjadi, - (2020) Peer-To-Peer Lending Platform: From Substitution To Complementary For Rural Banks. Business: Theory and Practice, 21 (2). pp. 713-722. ISSN pISSN 1648-0627, eISSN 1822-4202

CLIFF KOHARDINATA, 049912583 E (2004) PERANCANGAN PERBAIKAN BERKESINAMBUNGAN D£NGAN PENDEKATANSLKSIGMA UNTUK MEMPERTAHANKAN DAN MENINGKATKAN KUALITAS PAD" PT "X". Skripsi thesis, UNIVERSITAS AIRLANGGA.