@misc{ais_repository_1886,
  title = {Pedoman praktis menghindari perangkap utang kartu kredit},
  author = {Flory santosa},
  year = {2025},
  publisher = {Niaga Swadaya},
  howpublished = {Repository AIS},
  note = {oai:ais:library-item:11228}
}