Effectiveness of Non-Litigation Bad Debt Settlement at Pematang Jaya Savings and Loan Unit in 2024. Journal International of Officium Nobile, [S. l.], v. 1, n. 1, p. 85–96, 2025. Disponível em: https://pandectaresearch.com/index.php/jion/article/view/7. Acesso em: 13 oct. 2025.