Suryani, Embun. “The Importance of Lender-Borrower Relationships to the Availability of Small and Micro Credit: Case Study on Indonesian Kredit Usaha Rakyat Loans”. International Journal of Economics and Financial Issues 8, no. 4 (July 4, 2018): 1–9. Accessed April 27, 2024. https://econjournals.com/index.php/ijefi/article/view/6493.