Dismas Lukito Ornasto, Reka Dewantara and Yenny Eta Widyanti 2026. Fair Interest Rates And Judicial Discretion: A Comparative Study Of Japan And France For Credit Regulation Reform In Indonesia. International Journal Of Humanities Education and Social Sciences. 6, 2 (Oct. 2026). DOI:https://doi.org/10.55227/ijhess.v6i2.2586.