Ali, Syaiful, Billy Simboh, and Ulfa Rahmawati. 2023. “Determining Factors of Peer-to-Peer (P2P) Lending Avoidance: Empirical Evidence from Indonesia”. Gadjah Mada International Journal of Business 25 (1), 1-27. https://jurnal.ugm.ac.id/v3/gamaijb/article/view/15797.