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ANALISIS YURIDIS PERTANGGUNGJAWABAN HUKUM TERHADAP PERJANJIAN PINJAM NAMA PENGGUNAAN SHOPEE PAYLATER DAN SPINJAM APABILA TERJAWDI WANPRESTASI DIHUBUNGKAN DENGAN PASAL 1338 KITAB UNDANG UNDANG HUKUM PERDATA (Studi Kasus Di Otoritas Jasa Keuangan Tasikmalaya)

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