Rahadi , Ashri Putri, Anggara Wisesa, Deddy Priatmodjo Koesrindartoto, Fikri Mohamad Rizaldi, Faqih Ahmad Muzakky, and Yulia Nur Hasanah. “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, no. 1 (October 12, 2026): 267–288. Accessed October 20, 2026. https://journals.researchsynergypress.com/index.php/ijmesh/article/view/4653.