A. P. Rahadi, A. Wisesa, D. P. Koesrindartoto, F. M. Rizaldi, F. A. Muzakky, and Y. N. Hasanah, “The Web of Debt: Informal Credit, Social Capital, and Student Financial Survival in Indonesian Universities”, Int. J. Manage. Entrep. Soc. Sci. Hum., vol. 10, no. 1, pp. 267–288, Oct. 2026.