Ady Hermawan, Bambang Satriawan and Nolla Puspita Dewi 2024. THE EFFECT OF INDEPENDENCE RATIO, FISCAL DECENTRALIZATION DEGREE AND PAD EFFECTIVENESS ON HUMAN DEVELOPMENT INDEX THROUGH ECONOMIC GROWTH IN KARIMUN REGENCY. Journal of Accounting Research, Utility Finance and Digital Assets. 3, 2 (Sep. 2024), 198–210. DOI:https://doi.org/10.54443/jaruda.v3i2.186.