Patra, Jatnika Eka, Yusuf Iskandar, and Kurniawan Kurniawan, trans. “Business Ecosystem Architecture for Savings and Loan Cooperatives: A Value Co-Creation Perspective”. West Science Business and Management 4, no. 03 (September 21, 2026): 503–522. Accessed October 13, 2026. https://wsj.westsciences.com/index.php/wsbm/article/view/3116.