MANULLANG, Sudianto; SIAHAAN, Daniel Tingkos; SARIBU, Fransisco Dolok; PASARIBU, Jansperi; TURNIP, Leoni Fristy. Perhitungan Manfaat Pasti Dengan Metode Spreading Gains And Losses Pada Program Pensiun. Innovative: Journal Of Social Science Research, [S. l.], v. 4, n. 2, p. 5211–5219, 2024. DOI: 10.31004/innovative.v4i2.9968. Disponível em: https://j-innovative.org/index.php/Innovative/article/view/9968. Acesso em: 15 jul. 2026.