Karambut, Fermico, Hartoyo Hartoyo, Rita Nurmalina, and Mukhamad Najib. “Determinants of Online Sellers Intention in to Apply Micro Credit”. Asian Journal of Business and Management 7, no. 2 (April 19, 2019). Accessed April 24, 2024. https://www.ajouronline.com/index.php/AJBM/article/view/5760.