Johan, Suwinto. “The Structure Of Consumer Finance Industry In Emerging Market (Empirical Evidence : Indonesia 2000-2015)”. Jurnal Manajemen Bisnis dan Kewirausahaan 1, no. 2 (August 2, 2019). Accessed May 6, 2024. https://journal.untar.ac.id/index.php/jmbk/article/view/4771.