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إدارة المدينين. وهي تحدد السياسة الائتمانية المناسبة. وهي الشروط الائتمانية التي ستجذب العملاء، مثل أن أي تأثير على التدفقات النقدية ودورة تحويل النقود سيقابله زيادة في الإيرادات، وبالتالي ي
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