“ 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” (2024) JOSAR (Journal of Students Academic Research), 9(2), pp. 1–12. doi:10.35457/josar.v9i2.3581.