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Made Ayu Desy Geriadi and Ni Luh Widyantari, “The Influence Of Collateral And Loan Term On Credit Decisions At The Swadharma Savings And Loans Cooperative Artha Gemilang In Blahbatuh District, Gianyar Regency”, Ijmre-ITB, vol. 2, no. 3, pp. 81–96, May 2024.