“Joint Sale Scheme for Credit Settlement After POJK 48: Skema Penjualan Bersama Untuk Pelunasan Kredit Pasca POJK 48”. 2026. Indonesian Journal of Law and Economics Review 21 (1): 10.21070/ijler.v21i1.1531. https://doi.org/10.21070/ijler.v21i1.1531.