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Reihan Nur Ramdhan, Gunarianto, and Indah Dewi Nurhayati, “Analysis Of The Impact Of The Covid-19 Pandemic On The Effectiveness Of Credit In Savings And Loan Cooperatives: Study On Kosayu Credit Cooperatives, Blimbing District, Malang”, CEBI, vol. 3, no. 1, pp. 1–10, Mar. 2023.