Jacobs, Samie Lambert, and Maximiliane Hukom. “Suku Bunga Dan Jangkawa Waktu Kredit Mempengaruhi Debitur Terhadap Keputusan Pengambilan Kredit Modal Kerja Di Masa Pandemi Covid-19”. Journal of Economics Review (JOER) 3, no. 1 (May 18, 2023): 45–56. Accessed October 22, 2025. https://journal.ppsuniyap.id/index.php/joer/article/view/38.