CREDIT RESTRUCTURITATION IN GRESIK RURAL BANK CORPORATION THE IMPACT OF THE SPREAD OF CORONAVIRUS DISEASE 2019 ON DEBTORS WITH PROBLEM LOANS AFTER APPLIYING POJK NUMBER 48 POJK.03 2020. josar 2024, 9 (2), 1-12. https://doi.org/10.35457/josar.v9i2.3581.