Saraswati, Reni, Verrel Keung, and Fariz Putra. “Trust in Online Peer-to-Peer Lending in Indonesia from a Cognitive-Based Perspective”. PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia 7, no. 2 (January 14, 2025): 79-92. Accessed April 3, 2026. https://www.perwiraindonesia.com/eJournal/index.php/perwira/article/view/127.