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 Hidayat, Farid. " EFEKTIVITAS BADAN PENYELESAIAN SENGKETA KONSUMEN DI DIY SEBAGAI ALTERNATIVE DISPUTE RESOLUTION (ADR) DALAM INDUSTRI KEUANGAN." Kertha Semaya : Journal Ilmu Hukum [Online], 8.4 (2020): 571-591. Web. 11 Sep. 2026