Judijanto, Loso, Isma Coryanata, and Salwa Aulia Novitasari , trans. “Credit Dependency and Debt Management: A Bibliometric Review”. West Science Interdisciplinary Studies 3, no. 06 (June 30, 2025): 980–989. Accessed December 6, 2025. https://wsj.westsciences.com/index.php/wsis/article/view/2012.