Utarindasari, Destiana, Ermi Herawati, Destiana Kumala, and Siti Ruhana Dara. “Exploring Online Informal Loans: Expanding UTAUT2 in Consumer Credit Behavior Throughout Urban Communities in Indonesia”. BELGIFOODS JOURNALS 1, no. 1 (November 10, 2025): 81–98. Accessed April 15, 2026. https://belgifoods.com/bjs/index.php/journal/article/view/11.