[1]
P. S. D. Saputra, Desak Nyoman Sri Werastuti, and I Gusti Ayu Purnamawati, “DO MSME’S BORROW RATIONALLY? BEHAVIORAL BIASES, CREDIT DECISIONS, AND FINANCIAL MANAGEMENT EFFECTS”, IJSET, vol. 5, no. 6, pp. 2990–3001, May 2026.