V. N. Aziyah and A. W. Kartika, “ 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, vol. 9, no. 2, pp. 1-12, Sep. 2024.