Suryani, Embun. “The Importance of Lender-Borrower Relationships to the Availability of Small and Micro Credit: Case Study on Indonesian Kredit Usaha Rakyat Loans”. International Journal of Economics and Financial Issues, vol. 8, no. 4, July 2018, pp. 1-9, https://econjournals.com./index.php/ijefi/article/view/6493.