Warning: file_get_contents(https://ojs.journalbusiness.my/ojs.php): failed to open stream: HTTP request failed! HTTP/1.1 404 Not Found in /var/www/ojs.unud.ac.id_backup/lib/pkp/includes/functions.inc.php on line 4 Akbar, Mohamad Raymond, AND Maulisa, Nadia. " DAMPAK GAGAL BAYAR KREDIT USAHA RAKYAT TERHADAP KOLEKTIBILITAS UTANG DEBITUR PADA SISTEM LAYANAN INFORMASI KEUANGAN" Kertha Semaya : Journal Ilmu Hukum [Online], Volume 12 Number 4 (10 December 2023)