Yulita F, Efrilla, Edwin. Tinjauan Yuridis Pmk No 16 Tahun 2019 Tentang (Kecurangan) Fraud dan Fenomena Pengembalian Uang. as [Internet]. 2025 Jul. 22 [cited 2026 May 11];7(3):176-84. Available from: https://journal-laaroiba.com/ojs/index.php/as/article/view/8416