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 Aliffa, Umi, & Dewa Gede Rudy. " PENERAPAN PERJANJIAN BAKU PADA PERBANKAN MENURUT UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN." Kertha Semaya : Journal Ilmu Hukum [Online], (2014): n. pag. Web. 28 Aug. 2026