This research was conducted in LPDs throughout Ubud District, with the number of existing LPDs as many as 32. So the population was 361 people, with consideration of the sample criteria, 3 people were taken for each LPD resulting in 96 samples. Questionnaire is a way for researchers to obtain data, so that data is processed and produces risk assessments, information and communication have an effect while control activities have no effect on the effectiveness of lending.
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