00341nas a2200133   4500000000100000000000100001008003900002260002100041100001800062700001700080700002000097700001700117245007300134       0                             d  c 28-30 May 2014 1 aSolichul Huda1 aTohari Ahmad1 aRiyanarto Sarno1 aHeru Santoso00aIdentification of process-based fraud patterns in credit application