HINDUN, Roro; REZA, Izzul Fatchu. Understanding Indonesian People Borrowing Money from Banks and Non-Banking Institutions. Shirkah: Journal of Economics and Business, [S. l.], v. 1, n. 3, p. 285–298, 2016. DOI: 10.22515/shirkah.v1i3.51. Disponível em: https://shirkah.or.id/new-ojs/index.php/home/article/view/51. Acesso em: 16 apr. 2025.