Utarindasari, D., Herawati, E., Kumala, D., & Dara, S. R. (2025). Exploring online informal loans: Expanding UTAUT2 in consumer credit behavior throughout urban communities in Indonesia. BELGIFOODS JOURNALS, 1(1), 81–98. Retrieved from https://belgifoods.com/bjs/index.php/journal/article/view/11