Septiani, H. L. D., U. Sumarwan, L. N. Yuliati, and K. Kirbrandoko. “Understanding the Factors Driving Farmers to Adopt Peer-to-Peer Lending Sharing Economy”. International Review of Management and Marketing, vol. 10, no. 6, Nov. 2020, pp. 13-21, https://econjournals.com/index.php/irmm/article/view/10564.