Bad Creditisa problem loan or Luncheon a non-performing loanthat for some reasons a customer reneging on promises to pay off debts after due dateso there is a delay or not paid altogether so that arose a bad credit or a bad debt.The existence of bank can not be separated from risk in the banking world.So it is necessary to minimize them by keeping
The imminent impact of the climate change has forced architecture schools to rethink their pedagogic structures.Using a scaffolded approach in our new MArch studio, we can demonstrate that the multiple narratives are required to deliver a responsive building capable of being durable, resilient and flexible.We argue that understanding these intertwi
Facial oil This research aims to determine the effect of experience, competence, independence, and professionalism, as the independent variables, on fraud detection, as the depen-dent variable.The population of this research is the auditors who work for Public Accountant Firms in Surabaya.The sample used in this study consists of 58 audi-tors worki