Simamora , Saur Costanius, Nugraha ., Toni Heryana, and Imas Purnamasari. “BEHAVIORAL BIAS, ECONOMIC CONDITIONS, AND INFORMATION TECHNOLOGY: DETERMINANTS OF CREDIT ASSESSMENT IN INDONESIA”. Bangladesh Journal of Multidisciplinary Scientific Research 11, no. 1 (December 12, 2025): 93–101. Accessed December 25, 2025. https://www.cribfb.com/journal/index.php/BJMSR/article/view/2664.