Afrilia, Dilla, Wendra Yunaldi, and Mahlil Adriaman. “Analisis Yuridis SK Pegawai Negeri Sipil (PNS) Yang Dijadikan Alat Jaminan Dalam Perjanjian Kredit Perbankan Ditinjau Dari Perspektif Hukum Perdata”. Innovative: Journal Of Social Science Research 3, no. 4 (August 22, 2023): 869–879. Accessed May 25, 2026. https://j-innovative.org/index.php/Innovative/article/view/3047.