Rahadi, Ashri, Deddy Priatmodjo Koesrindartoto, and Anggara Wisesa. “Factors Shaping Student Debt Attitudes and Behaviours: A Systematic Review and a Pilot Qualitative Study at an Indonesian Multicultural University”. International Journal of Management, Entrepreneurship, Social Science and Humanities 8, no. 1 (December 31, 2024): 62–83. Accessed June 25, 2025. https://journals.researchsynergypress.com/index.php/ijmesh/article/view/1259.