(Source: annual report of activities for 2011-2015 Indovina NHTMCP)• Bad debt processing results of SMEs in URBAN COMMERCIAL Indovina period 2011-2015With the deployment of systems for the management of the bad debt along with the enactment of specific procedures in the handling of the debt, the period of 2011-2015 NHTMCP Indovina has done handling bad debt and obtained results are as follows:Table 3.6. The results of bad debt processing SMEs Mgmt. IVB period 2011-2015
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