Kasturi, J., Rosmidah, Aulia, M. Z., Muskibah, Hasan, U., & Fathni, I. (2026). The Binding Power and Adjustability of Early Repayment Penalties in Indonesian Standard-Form Credit Agreements. International Journal of Law Dynamics Review, 4(1), 13-23. https://doi.org/10.62039/ijldr.v4i1.126