AZAHRA, P. N. .; RAHMADINA, G. P. .; SARI, J. P. .; RAMADHANI, T. W. .; SISWAJANTHY, F. . Kajian Surat Edaran Lembaga Otoritas Jasa Keuangan Nomor 19/SEOJK.06/2023 Risiko dan Manfaat Penurunan Suku Bunga Bagi Nasabah. Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 9922–9931, 2025. DOI: 10.31004/joecy.v5i2.1701. Disponível em: https://joecy.org/index.php/joecy/article/view/1701. Acesso em: 16 oct. 2026.