Worokinasih, S., and W. Potipiroon. “Microfinance Repayment Performance of SMEs in Indonesia: Examining the Roles of Social Capital and Loan Credit Terms”. The Journal of Behavioral Science, vol. 14, no. 1, Jan. 2019, pp. 28-45, https://so06.tci-thaijo.org/index.php/IJBS/article/view/150625.