?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.au=11094781%2C+Zera+Rianjerry&rft.aulast=11094781&rft.aufirst=Zera+Rianjerry&rft.degree=Bachelor&rft.inst=Universitas+Kristen+Duta+Wacana&rft.tpages=50&rft.date=February+2013&rft.title=PENGARUH+SIKAP+PADA+UANG+TERHADAP+GAGAL+BAYAR