Sandro Torang Hamonangan Sirait, Said Kelana Asnawi, and Hendrian. “Debt Is Not Always Bad Even in Difficult Economic Conditions”. Indonesian Journal of Business Analytics 4, no. 4 (September 4, 2024): 1671–1690. Accessed June 23, 2026. https://journal.formosapublisher.org/index.php/ijba/article/view/11136.