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EMILIA DESI LISTYANINGSIH, 040610453 (2010) THE STUDY OF BANKING INTERNAL CONTROL STRUCTURE, DEBTORS' LEVEL OF ASSURANCE, AND DEBTORS' CAPITAL STRUCTURES TOWARDS EFFECTIVENESS AND EFFICIENCY OF CREDIT APPROVAL DECISIONS (CASE STUDY OF PT. BPD JATIM). Skripsi thesis, UNIVERSITAS AIRLANGGA.