Worokinasih, Saparila, and Wisanupong Potipiroon. 2019. “Microfinance Repayment Performance of SMEs in Indonesia: Examining the Roles of Social Capital and Loan Credit Terms”. The Journal of Behavioral Science 14 (1):28-45. https://so06.tci-thaijo.org/index.php/IJBS/article/view/150625.