Hardiansyah , Hardiansyah, Dian Firdaus, Rizal Bakti, Rieneke Ryke Kalalo, and Silvi Reni Cusyana. “The Influence Of Financial Self Efficacy On Risky Credit Behavior”. Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory 3, no. 2 (June 14, 2025): 1593–1601. Accessed April 26, 2026. https://mail.shariajournal.com/index.php/IJIJEL/article/view/1151.