La Ode, Muhamad Taufik, and Ali Abdullah. “The Substantive Rights of Heirs and Administrative Barriers in Indonesian Banking Practices”. Journal of Legal Contemplation 1, no. 3 (November 5, 2025): 113–130. Accessed January 11, 2026. https://ejournal.candela.id/index.php/jlc/article/view/49.