SADY, M.; RASYID, A.; PASOLO, F. The Effect of Financial Literacy and Credit Procedures on Credit Taking Decisions. Advances in Economics & Financial Studies, [S. l.], v. 2, n. 3, p. 113–127, 2024. DOI: 10.60079/aefs.v2i3.161. Disponível em: http://advancesinresearch.id/index.php/AEFS/article/view/161. Acesso em: 3 oct. 2025.