Utomo, Efendi, and Wahyu Nugroho. “Restructuring ‘Kupedes’ Loans As Impact of Merapi Mountain Eruption”. International Journal of Sciences: Basic and Applied Research (IJSBAR) 45, no. 1 (March 23, 2019): 53–63. Accessed September 22, 2025. https://gssrr.org/JournalOfBasicAndApplied/article/view/9634.