Effectiveness of Settlement of Bad Credit Through Memo Decision on Credit Settlement and Auction at PT Bank BTPN Tbk, Cakranegara Branch. int.jour.sci.res.mana [Internet]. 2019 May 26 [cited 2024 Nov. 22];7(05):76-85. Available from: https://ijsrm.net/index.php/ijsrm/article/view/2226