Sondang, Monica Berliana. “The Impact of Bad Credit on Debtor and Creditor Accountability in Fiduciary-Based Bussiness Financing ”. Golden Ratio of Finance Management 5, no. 1 (March 5, 2025): 75–87. Accessed May 7, 2026. https://goldenratio.id/index.php/grfm/article/view/883.