Bernardin, Deden Edwar Yokeu, Maya Nuria Rahman, Fathi Rufaidah, and Sahidillah Nurdin. Jurnal Financia 6, no. 1 (January 31, 2025). Accessed October 15, 2025. https://ars3.namadomainanda.my.id/index.php/financia/article/view/2012.