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 ADI JAYA BIRAWAN, I Ketut; SUDIARTA, I Ketut. ANALISIS PERJANJIAN KREDIT DENGAN OBJEK JAMINAN BERUPA SURAT KEPUTUSAN PENSIUN JANDA/DUDA PADA BANK TABUNGAN PENSIUNAN NASIONAL DENPASAR. Kertha Semaya : Journal Ilmu Hukum, [S.l.], v. 4, n. 1, may 2015. ISSN 2303-0569. Available at: <https://ojs.unud.ac.id/index.php/kerthasemaya/article/view/13380>. Date accessed: 31 aug. 2026.