RYAN ADHITYA NUGROHO10.01.53.0041. “APLIKASI PENGAJUAN KREDIT ELEKTRONIK SPEKTRA SECARA ONLINE BERBASIS WEB”. Information Technology and Telematics 6, no. 2 (October 20, 2016). Accessed July 23, 2024. https://www.unisbank.ac.id/ojs/index.php/fti3/article/view/4477.