Ismanto, Hadi; Muharam, Harjum; Pangestuti, Irene Rini Demi - In: Financial studies 23 (2019) 3, pp. 49-65
The ease of access to financial institutions leads to an increase in the number of both consumptive and productive loans. This increase must be balanced with the process of knowledge transfer about financial management so that customers can manage finances well and can pay credit according to a...