SONDANG, Monica Berliana. The Impact of Bad Credit on Debtor and Creditor Accountability in Fiduciary-Based Bussiness Financing . Golden Ratio of Finance Management, [S. l.], v. 5, n. 1, p. 75–87, 2025. DOI: 10.52970/grfm.v5i1.883. Disponível em: https://goldenratio.id/index.php/grfm/article/view/883. Acesso em: 7 may. 2026.