@article{art2226,
  title = {Effectiveness of Settlement of Bad Credit Through Memo Decision on Credit Settlement and Auction at  PT Bank BTPN Tbk, Cakranegara Branch},
  doi = {10.18535/ijsrm/v7i5.lla08},
  url = {https://ijsrm.net/index.php/ijecs/article/view/2226}
}