Tantriana, Deasy, Heri Pratikto, Puji Handayati, and Cipto Wardoyo. “Are Indonesia SMEs Interested in Switching Funding to Sharia P2P Lending? A Push-Pull-Mooring Framework”. Journal of Ecohumanism 3, no. 8 (December 16, 2024): 7205 –. Accessed March 9, 2026. https://www.ecohumanism.co.uk/joe/ecohumanism/article/view/5351.