JOHAN, Suwinto. Determinants of Credit Decision in Consumer Financing: An Empirical Study on Indonesia Auto Financing. Indonesian Journal of Business and Entrepreneurship, [S. l.], v. 4, n. 3, p. 291, 2018. DOI: 10.17358/ijbe.4.3.291. Disponível em: https://journal.ipb.ac.id/ijbe/article/view/23052. Acesso em: 24 dec. 2025.