Rahadi , Ashri Putri, Anggara Wisesa, Deddy Priatmodjo Koesrindartoto, Fikri Mohamad Rizaldi, Faqih Ahmad Muzakky, and Yulia Nur Hasanah. 2026. “The Web of Debt: Informal Credit, Social Capital, and Student Financial Survival in Indonesian Universities”. International Journal of Management, Entrepreneurship, Social Science and Humanities 10 (1):267-88. https://doi.org/10.31098/ijmesh.v10i1.4653.