Kapisa, Ronald Zeth, Elina Relawaty Situmorang, and Simson Werimon. “Exploring Consumer Credit Impact on Debtor Welfare at Bank Branch Office”. Research Horizon 5, no. 5 (October 30, 2025): 2033–2044. Accessed June 13, 2026. https://lifescifi.com/journal/index.php/RH/article/view/789.