Aziyah, V. N. and Kartika, A. W. (2024) “ 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 (Journal of Students Academic Research), 9(2), pp. 1-12. doi: 10.35457/josar.v9i2.3581.