@article{{otonomi}{}, author = {Wijayanti, F.}, title = { Efektifitas dan Efisiensi Pengelolaan Keuangan Serta Meminimalisir Moral Hazard Pengelola Keuangan Melalui Implementasi Kartu Kredit Pemerintah}, journal = {Otonomi}, volume = {20}, number = {2}, year = {2020}, doi = {10.32503/otonomi.v20i2.1285}, url = {https://ejournal.uniska-kediri.ac.id/index.php/otonomi/article/view/1285} }