Perbankan & Modal Sosial: Menjalin Kepercayaan, Mengelola Resiko

John Agustinus; Eko Budiarto; Agus Sunaryo

doi:10.58989/ynimgm.6

Perbankan & Modal Sosial: Menjalin Kepercayaan, Mengelola Resiko

Authors

John Agustinus

Sekolah Tinggi Ilmu Ekonomi Port Numbay Jayapura

Eko Budiarto

Sekolah Tinggi ilmu Ekonomi Port Numbay Jayapura

Agus Sunaryo

Sekolah Tinggi ilmu Ekonomi Port Numbay Jayapura

DOI: https://doi.org/10.58989/ynimgm.6

Keywords:

Perbankan, Modal Sosial, Kepercayaan, Resiko

Synopsis

Di bidang perbankan, keberhasilan lembaga keuangan tidak hanya bergantung pada faktor ekonomi dan regulasi, tetapi juga pada aspek sosial yang sering kali kurang mendapat perhatian. Buku ini mengupas secara mendalam peran modal sosial—kepercayaan, jaringan sosial, dan norma—dalam membangun sistem perbankan yang stabil, inklusif, dan berkelanjutan.

Dengan analisis yang komprehensif, buku ini menunjukkan bagaimana hubungan antara petugas kredit dan nasabah tidak sekadar transaksi bisnis, tetapi juga interaksi sosial yang dipengaruhi oleh tingkat kepercayaan dan keterlibatan komunitas. Dalam dunia keuangan modern, modal sosial berperan dalam meningkatkan kepatuhan terhadap pengembalian kredit, mengurangi risiko kredit macet, serta memperkuat loyalitas nasabah terhadap lembaga keuangan.

Bab-bab awal buku ini membahas konsep dasar modal sosial, termasuk definisi, dimensi utama, serta pengaruhnya terhadap sektor keuangan. Pembaca akan mendapatkan pemahaman mendalam tentang bagaimana kepercayaan dan norma sosial dapat menjadi fondasi utama dalam interaksi keuangan, baik di tingkat individu maupun institusi.

Selanjutnya, buku ini mengulas hubungan sosial antara petugas kredit dan nasabah, menyoroti pentingnya komunikasi yang efektif, strategi membangun kepercayaan, serta pendekatan berbasis modal sosial dalam pengelolaan konflik keuangan. Dengan contoh nyata dari berbagai sistem perbankan, pembaca diajak untuk melihat bagaimana interaksi sosial yang sehat dapat meningkatkan kualitas layanan perbankan serta menciptakan hubungan jangka panjang yang saling menguntungkan.

Buku ini juga membahas bagaimana modal sosial berperan dalam mendukung pengembangan UMKM, mempercepat inklusi keuangan, serta menciptakan ekosistem perbankan yang lebih adil dan transparan. Keberadaan jaringan sosial yang kuat terbukti dapat meningkatkan akses kredit bagi pelaku usaha kecil serta mendorong inovasi dalam layanan keuangan.

Bagian akhir buku membahas tantangan dalam membangun modal sosial di era ekonomi digital, termasuk bagaimana transformasi teknologi dan inovasi seperti crowdfunding serta microfinance dapat menjadi solusi untuk memperkuat kepercayaan dalam sistem keuangan modern.

Buku ini menawarkan perspektif baru bagi akademisi, praktisi perbankan, serta pembuat kebijakan dalam memahami peran krusial modal sosial dalam dunia keuangan. Sebuah bacaan wajib bagi siapa saja yang ingin menggali lebih dalam tentang hubungan antara kepercayaan, risiko, dan keberlanjutan dalam sistem perbankan.

References

Abdennebi, Hela Ben. “M-Banking Adoption from the Developing Countries Perspective: A Mediated Model.” Digital Business 3, no. 2 (2023): 1–16. https://doi.org/10.1016/j.digbus.2023.100065.

Acemoglu, Daron, Tristan Reed, and James A. Robinson. “Chiefs: Economic Development and Elite Control of Civil Society in Sierra Leone.” Journal of Political Economy 122, no. 2 (2014): 319–68. https://doi.org/10.1086/674988.

Ackerberg, Daniel A., Kevin Caves, and Garth Frazer. “Identification Properties of Recent Production Function Estimators.” Econometrica: Journal of Econometric Society 83, no. 6 (2015): 2411–51. https://doi.org/10.3982/ECTA13408.

Agyei, James, Shaorong Sun, Emmanuel Kofi Penney, and Richmond Ofori-Boafo. “Influence of Trust on Customer Engagement: Empirical Evidence From the Insurance Industry in Ghana.” SAGE Open 10, no. 1 (2020): 1–18. https://doi.org/10.1177/21582440198991.

Ahlerup, Pelle, and Ola Olsson. “The Roots of Ethnic Diversity.” Journal of Economic Growth 17 (2012): 71–102. https://doi.org/10.1007/s10887-011-9075-0.

Ahuja, Gautam. “Collaboration Networks, Structural Holes, and Innovation: A Longitudinal Study.” Administrative Science Quarterly 45, no. 3 (2000): 425–55. https://doi.org/10.2307/2667105.

Akotey, Joseph Oscar, and Charles K.D. Adjasi. “Does Microcredit Increase Household Welfare in the Absence of Microinsurance?” World Development 77 (2016): 380–94. https://doi.org/10.1016/j.worlddev.2015.09.005.

Al-Azzam, Moh’d, Christopher F. Parmeter, and Sudipta Sarangi. “On The Complex Relationship Between Different Aspects of Social Capital and Group Loan Repayment.” Economic Modelling 90 (2020): 92–107. https://doi.org/10.1016/j.econmod.2020.04.027.

Alatas, Vivi, Abhijit Banerjee, Rema Hanna, Benjamin A. Olken, and Julia Tobias. “Targeting the Poor: Evidence from a Field Experiment in Indonesia.” American Economic Review 102, no. 4 (2012): 1206–1240. https://doi.org/10.1257/aer.102.4.1206.

Almakaeva, Anna, and Rima Wilkes. “Introduction: Social Capital and Subjective Well-Being: Towards a Conceptual Framework.” In Social Capital and Subjective Well-Being: Insights from Cross-Cultural Studies, edited by Anna Almakaeva, Alejandro Moreno, and Rima Wilkes, 1–15. Cham: Springer, 2021. https://doi.org/10.1007/978-3-030-75813-4_1.

Anderson, Lisa R., and Jennifer M. Mellor. “The Economic Approach to Cooperation and Trust: Lessons for the Study of Social Capital and Health.” In Social Capital and Health, edited by Ichiro Kawachi, S.V. Subramanian, and Daniel Kim, 117–136. New York: Springer, 2008. https://doi.org/10.1007/978-0-387-71311-3_7.

Anugrah, Eggy, and Hendro Prasetyo. “Modal Sosial Pada Usaha Mikro Kecil Dan Menengah Berbasis Primordial Dan Franchise.” Jurnal Ilmu Sosial Indonesia 3, no. 2 (2022): 84–89. https://doi.org/10.15408/jisi.v3i2.29668.

Arcand, Jean-Louis, and Marcel Fafchamps. “Matching in Community-Based Organizations.” Journal of Development Economics 98, no. 2 (2012): 203–19. https://doi.org/10.1016/j.jdeveco.2011.07.002.

Audretsch, David B., Iris A. M. Beckmann, and Werner Bönte. “Knowledge-Based Start-Ups and Entrepreneurship Policy.” In Public Policies for Fostering Entrepreneurship: A European Perspective, Volume 22, edited by Rui Baptista and Joao Leitao, 3–13. New York: Springer, 2009. https://doi.org/10.1007/978-1-4419-0249-8_1.

Barnes, James G. Build Your Customer Strategy: A Guide to Creating Profitable Customer Relationships. New Jersey: Wiley-Blackwell, 2006.

Basaran, Bahriye, and Mahmood Bagheri. “The Relevance of ‘Trust and Confidence’ in Financial Markets to the Information Production Role of Banks.” European Journal of Risk Regulation 11, no. 3 (2020): 650–66. https://doi.org/10.1017/err.2020.52.

Basoeki, Jonathan Bagus Pradhana, and Anna Amalyah Agus. “Understanding the Role of Social Media Marketing and Technology Adoption Model in Shaping Customer Adoption of Digital Banking.” The South East Asian Journal of Management 17, no. 2 (2023): 50–73. https://scholarhub.ui.ac.id/seam/vol17/iss2/3?utm_source=scholarhub.ui.ac.id%2Fseam%2Fvol17%2Fiss2%2F3&utm_medium=PDF&utm_campaign=PDFCoverPages.

Beilmann, Mai, Laur Lilleoja, and Anu Realo. “Learning to Trust: Trends in Generalized Social Trust in the Three Baltic Countries from 1990 to 2018.” In Social Capital and Subjective Well-Being: Insights from Cross-Cultural Studies, edited by Anna Almakaeva, Alejandro Moreno, and Rima Wilkes, 19–43. Cham: Springer, 2021. https://doi.org/10.1007/978-3-030-75813-4_2.

Beltratti, Andrea, and René M. Stulz. “The Credit Crisis Around the Globe: Why Did Some Banks Perform Better?” Journal of Financial Economics 105, no. 1 (2012): 1–17. https://doi.org/10.1016/j.jfineco.2011.12.005.

Benveniste, Lawrence M., and Paul A. Spindt. “How Investment Bankers Determine the Offer Price and Allocation of New Issues.” Journal of Financial Economics 24, no. 2 (1989): 343–61. https://doi.org/10.1016/0304-405X(89)90051-2.

Berg, Sanford V., Jerome Duncan, and Philip Friedman. Joint Venture Strategies and Corporate Innovation. Cambridge: Oelgeschlager, Gunn & Hain, 1982.

Bezemer, Dirk, Josh Ryan-Collins, Frank van Lerven, and Lu Zhang. “Credit Policy and the ‘Debt Shift’ in Advanced Economies.” Socio-Economic Review 21, no. 1 (2023): 437–478. https://doi.org/10.1093/ser/mwab041.

Bhukya, Ramulu, and Justin Paul. “Social Influence Research in Consumer Behavior: What We Learned and What We Need to Learn? – A Hybrid Systematic Literature Review.” Journal of Business Research 162 (2023): 113870. https://doi.org/10.1016/j.jbusres.2023.113870.

Binod Sundararajan, Oksana Shkurska, and Shannon Lin. “Banking and Financial Markets Around the Globe.” In Cross-Cultural Practices in Business and Finance: Frameworks and Skills, edited by Binod Sundararajan, Oksana Shkurska, and Shannon Lin, 109–20. Cham: Palgrave Macmillan, 2023. https://doi.org/10.1007/978-3-031-06440-1_7.

Bose, Udichibarna, Stefano Filomeni, and Sushanta Mallick. “Does Bankruptcy Law Improve the Fate of Distressed Firms? The Role of Credit Channels.” Journal of Corporate Finance 68 (2021): 101836. https://doi.org/10.1016/j.jcorpfin.2020.101836.

Bottazzi, Laura, Marco Da Rin, and Thomas Hellmann. “The Importance of Trust for Investment: Evidence from Venture Capital.” The Review of Financial Studies 29, no. 9 (2016): 2283–2318. https://doi.org/10.1093/rfs/hhw023.

Brockman, Paul, Inder K. Khurana, and Rong (Irene) Zhong. “Societal Trust and Open Innovation.” Research Policy 47, no. 10 (2018): 2048–65. https://doi.org/10.1016/j.respol.2018.07.010.

Bruce, Stuart. “Putting the Social into Corporate Social Responsibility.” In Share This Too: More Social Media Solutions for PR Professionals, edited by Rob Brown and Stephen Waddington, 201–8. New Jersey: John Wiley & Sons Ltd, 2012. https://doi.org/10.1002/9781119207993.ch22.

Bruton, Garry, Susanna Khavul, and Mike Wright. “New Financial Alternatives in Seeding Entrepreneurship: Microfinance, Crowdfunding, and Peer–to–Peer Innovations.” Entrepreneurship Theory and Practice 39, no. 1 (2015): 9–26. https://doi.org/10.1111/etap.12143.

Bullivant, Glen, ed. Credit Management. 6th ed. Oxfordshire: Routledge, Taylor & Francis, 2010.

Bumulo, Sahrain, Rahmatiah Rahmatiah, and Beni Alwin Hunto. “Peran Modal Sosial Dalam Pengembangan UMKM Minyak Kelapa Kampung: Kajian Pemberdayaan Masyarakat Desa Bandungan, Gorontalo.” Sosiologi Jurnal Penelitian Dan Pengabdian Kepada Masyarakat 1, no. 4 (2024): 232–242. https://doi.org/10.37905/sjppm.v1i4.154.

Bush, Chunping. “Dealing With the Conflicts of Interest of Credit Rating Agencies: A Balanced Cure for The Disease.” Capital Markets Law Journal 17, no. 3 (2022): 334–364. https://doi.org/10.1093/cmlj/kmac012.

Buttle, Francis, and Stan Maklan. Customer Relationship Management: Concepts and Technologies. Oxfordshire: Routledge, Taylor & Francis, 2019.

Cai, Wanxiang, Friedemann Polzin, and Erik Stam. “Crowdfunding and Social Capital: A Systematic Review Using a Dynamic Perspective.” Technological Forecasting and Social Change 162 (2021): 1–22. https://doi.org/10.1016/j.techfore.2020.120412.

Cardoso, António, Marx Gabriel, Jorge Figueiredo, Isabel Oliveira, Reiville Rêgo, Rui Silva, Márcio Oliveira, and Galvão Meirinhos. “Trust and Loyalty in Building the Brand Relationship with the Customer: Empirical Analysis in a Retail Chain in Northern Brazil.” Journal of Open Innovation: Technology, Market, and Complexity 8, no. 3 (2022): 1–15. https://doi.org/10.3390/joitmc8030109.

Chairunnisa, Fauziah Rindang, and Dwi Hartant. “Analysis of Credit Risk Management in Cooperative X That Employs The Grameen Bank System.” Contemporary Accounting Case Studies 2, no. 1 (2003): 166–84.

Chami, Ralph, and Connel Fullenkamp. “Trust and Efficiency.” Journal of Banking & Finance 26, no. 9 (2002): 1785–1809. https://doi.org/10.1016/S0378-4266(02)00191-7.

Chaudhry, Amna Noor, Alexandros Kontonikas, and Evangelos Vagenas-Nanos. “Social Networks and the Informational Role of Financial Advisory Firms Centrality in Mergers and Acquisitions.” British Journal of Management 33, no. 2 (2022): 958–79. https://doi.org/10.1111/1467-8551.12477.

Chesebro, Joseph L. Professional Communication at Work: Interpersonal Strategies for Career Success. Oxfordshire: Routledge, Taylor & Francis, 2014.

Chris Brooks. Introductory Econometrics for Finance. 4th ed. Cambridge: Cambride University Press, 2019.

Clark, Robyn, James Reed, and Terry Sunderland. “Bridging Funding Gaps for Climate and Sustainable Development: Pitfalls, Progress and Potential of Private Finance.” Land Use Policy 71 (2018): 335–46. https://doi.org/10.1016/j.landusepol.2017.12.013.

Coelho, Rui, Shital Jayantilal, and Joao J. Ferreira. “The Impact of Social Responsibility on Corporate Financial Performance: A Systematic Literature Review.” Corporate Social Responsibility and Environmental Management 30, no. 4 (2023): 1535–60. https://doi.org/10.1002/csr.2446.

Cohen, Lauren, Andrea Frazzini, and Christopher Malloy. “The Small World of Investing: Board Connections and Mutual Fund Returns.” Journal of Political Economy 116, no. 5 (2008): 951–79. https://doi.org/10.1086/592415.

Coleman, James Samuel. “Social Capital in the Creation of Human Capital.” In Knowledge and Social Capital, edited by Eric Lesser, 1st ed., 15–39. Oxfordshire: Routledge, Taylor & Francis, 2000. https://doi.org/10.4324/9780080509792.

Coleman, Marianne, and Lesley Anderson. Managing Finance and Resources in Education. London: SAGE Publications Ltd, 2001.

Colquitt, Jason A., Brent A. Scott, and Jeffery A. LePine. “Trust, Trustworthiness, and Trust Propensity: A Meta-Analytic Test of Their Unique Relationships With Risk Taking and Job Performance.” Journal of Applied Psychology 92, no. 4 (2007): 909–27. https://doi.org/10.1037/0021-9010.92.4.909.

Cowling, Marc, Gordon Murray, and Pete Bates. “Promoting Equity Flows into Smaller Businesses.” In Public Policies for Fostering Entrepreneurship: A European Perspective, Volume 22, edited by Rui Baptista and Joao Leitao, 207–30. New York: Springer, 2009. https://doi.org/10.1007/978-1-4419-0249-8_12.

Curran, Megan, Hilary Hoynes, and Zachary Parolin. Evaluating the Effects of the 2021 Expansion of the Child Tax Credit. Washington DC: SAGE Publications, Inc, 2023.

Dechow, Patricia, Weili Ge, and Catherine Schrand. “Understanding Earnings Quality: A Review of The Proxies, Their Determinants and Their Consequences.” Journal of Accounting and Economics 50, no. 2 (2010): 344–401. https://doi.org/10.1016/j.jacceco.2010.09.001.

Delmon, Jeff. Innovative Funding and Financing for Infrastructure: Addressing Scarcity of Public Resources. Cambridge: Cambride University Press, 2024. https://doi.org/10.1017/9781009340182.

Duan, Yuejiao, Sadok El Ghoul, Omrane Guedhami, Haoran Li, and Xinming Li. “Bank Systemic Risk Around COVID-19: A Cross-Country Analysis.” Journal of Banking & Finance 133 (2021): 106299. https://doi.org/10.1016/j.jbankfin.2021.106299.

Fabretti, Paul. “Community Management.” In Share This Too: More Social Media Solutions for PR Professionals, edited by Rob Brown and Stephen Waddington, 79–87. New Jersey: John Wiley & Sons Ltd, 2012. https://doi.org/10.1002/9781119207993.ch9.

Félix, Elisabete Gomes Santana, and Teresa Freitas Belo. “The Impact of Microcredit on Poverty Reduction in Eleven Developing Countries in South-East Asia.” Journal of Multinational Financial Management 52 (2019): 100590. https://doi.org/10.1016/j.mulfin.2019.07.003.

Flannery, Mark, and Anjan V. Thakor. “Accounting, Transparency and Bank Stability.” Journal of Financial Intermediation 15, no. 3 (2006): 281–84. https://doi.org/10.1016/j.jfi.2006.05.001.

Fowler, Bridget. Pierre Bourdieu and Cultural Theory: Critical Investigations. Association with Theory, Culture & Society. Washington DC: SAGE Publications Ltd, 1997.

Francis, Jere R., and Xiumin Martin. “Acquisition Profitability and Timely Loss Recognition.” Journal of Accounting and Economics 49, no. 1 (2010): 161–78. https://doi.org/10.1016/j.jacceco.2009.09.003.

Gao, Pingyang. “A Measurement Approach to Conservatism and Earnings Management.” Journal of Accounting and Economics 55, no. 2 (2013): 251–68. https://doi.org/10.1016/j.jacceco.2012.10.001.

Giné, Xavier, and Dean S. Karlan. “Group Versus Individual Liability: Short and Long Term Evidence from Philippine Microcredit Lending Groups.” Journal of Development Economics 107 (2014): 65–83. https://doi.org/10.1016/j.jdeveco.2013.11.003.

Godquin, Marie. “Microfinance Repayment Performance in Bangladesh: How to Improve the Allocation of Loans by MFIs.” World Development 32, no. 11 (2004): 1909–26. https://doi.org/10.1016/j.worlddev.2004.05.011.

Goel, Akanksha, and Shailesh Rastogi. “Understanding the Impact of Borrowers’ Behavioural and Psychological Traits on Credit Default: Review and Conceptual Model.” Review of Behavioral Finance 15, no. 2 (2021): 205–23. https://doi.org/10.1108/RBF-03-2021-0051.

Griffiths, Gemma. “How To Change Organizational Mindset.” In Share This Too: More Social Media Solutions for PR Professionals, edited by Rob Brown and Stephen Waddington, 251–57. New Jersey: John Wiley & Sons Ltd, 2012. https://doi.org/10.1002/9781119207993.ch28.

Hallam, Jed. “Laying the Foundations for A Social Business.” In Share This Too: More Social Media Solutions for PR Professionals, edited by Rob Brown and Stephen Waddington, 233–40. New Jersey: John Wiley & Sons Ltd, 2012. https://doi.org/10.1002/9781119207993.ch26.

Harini, Novi Dwi. “Dari Miyang Ke Longlenan : Pengaruh Jaringan Sosial Pada Transformasi Masyarakat Nelayan.” Komunitas: International Journal of Indonesian Society and Culture 4, no. 2 (2012): 178–90. https://doi.org/10.15294/komunitas.v4i2.2413.

Hasan, Iftekhar, Qing He, and Haitian Lu. “Social Capital, Trusting, and Trustworthiness: Evidence from Peer-to-Peer Lending.” Journal of Financial and Quantitative Analysis 57, no. 4 (2021): 1409–53. https://doi.org/10.1017/S0022109021000259.

Häuberer, Julia. “Introducing the Civic Perspective on Social Capital – Robert D. Putnam’s Concept of Social Capital.” In Social Capital Theory: Towards a Methodological Foundation, edited by Julia Häuberer, 53–86. Wiesbaden: VS Verlag für Sozialwissenschaften, 2011. https://doi.org/10.1007/978-3-531-92646-9_3.

Hermes, Niels, Robert Lensink, and Habteab T. Mehrteab. “Peer Monitoring, Social Ties and Moral Hazard in Group Lending Programs: Evidence from Eritrea.” World Development 33, no. 1 (2005): 149–69. https://doi.org/10.1016/j.worlddev.2004.09.001.

Hidayat, Ariodillah, Suhel Suhel, and Mardalena Mardalena. “Sustainability of Microfinance Institutions: An Analysis of Influencing Factor in South Sumatra Province.” Jurnal Ekonomi Pembangunan 21, no. 1 (2023): 13–24. https://doi.org/10.29259/jep.v21i1.19573.

Hoi, Chun Keung(Stan), Qiang Wu, and Hao Zhang. “Does Social Capital Mitigate Agency Problems? Evidence from Chief Executive Officer (CEO) Compensation.” Journal of Financial Economics 133, no. 2 (2019): 498–519. https://doi.org/10.1016/j.jfineco.2019.02.009.

Houston, Joel F., Jongsub Lee, and Felix Suntheim. “Social Networks in The Global Banking Sector.” Journal of Accounting and Economics 65, no. 2 (2018): 237–69. https://doi.org/10.1016/j.jacceco.2017.11.006.

Houston, Joel F., Chen Lin, Ping Lin, and Yue Ma. “Creditor Rights, Information Sharing, and Bank Risk Taking.” Journal of Financial Economics 96, no. 3 (2010): 485–512. https://doi.org/10.1016/j.jfineco.2010.02.008.

Huang, Jing. “An Information Dissemination Strategy in Social Networks Based on Graph and Content Analysis.” Egyptian Informatics Journal 29 (2025): 1–15. https://doi.org/10.1016/j.eij.2024.100563.

Hussain, A.K.M. Ghulam, Nigar Nargis, S.M. Ashiquzzaman, and Fahad Khalil. “The Employment Impact of Microcredit Program Participation in Bangladesh: Evidence From A Longitudinal Household Survey.” World Development Perspectives 13 (2019): 34–49. https://doi.org/10.1016/j.wdp.2019.02.009.

Jha, Anand, Renee Oyotode-Adebile, and Zubair Ali Raja. “Societal Trust and Corporate Bankruptcy.” Journal of Financial Stability 73 (2024): 101296. https://doi.org/10.1016/j.jfs.2024.101296.

Jin, Justin Yiqiang, Kiridaran Kanagaretnam, Gerald J. Lobo, and Robert Mathieu. “Social Capital and Bank Stability.” Journal of Financial Stability 32 (2017): 99–114. https://doi.org/10.1016/j.jfs.2017.08.001.

Jong, Abe de, Rezaul Kabir, and Thuy Thu Nguyen. “Capital Structure Around the World: The Roles of Firm- and Country-Specific Determinants.” Journal of Banking & Finance 32, no. 9 (2008): 1954–69. https://doi.org/10.1016/j.jbankfin.2007.12.034.

Jongbloed, Janine, and Ashley Pullman. “Degree of Benefit? The Interconnection Among Social Capital, Well-Being and Education.” In Social Capital and Subjective Well-Being: Insights from Cross-Cultural Studies, edited by Anna Almakaeva, Alejandro Moreno, and Rima Wilkes, 195–220. Cham: Springer, 2021. https://doi.org/10.1007/978-3-030-75813-4_10.

Jr., Benjamin R. Quinones, and Hans Dieter Seibel. “Social Capital in Microfinance: Case Studies in The Philippines.” In Social Capital as a Policy Resource, edited by John D. Montgomery and Alex Inkeles, 195–207. Boston: Springer, 2001. https://doi.org/10.1007/978-1-4757-6531-1_12.

Kalsum, Ummy, Wahyuni Wahyuni, Astriwati Astriwati, Fahmi Sahlan, and Andi Runis Makkulau. “Pelatihan Literasi Keuangan Dan Akses Kredit Untuk UMKM Di Kota Kendari.” Community Development Journal: Jurnal Pengabdian Masyarakat 5, no. 2 (2024): 2683–2688. https://doi.org/10.31004/cdj.v5i2.26334.

Khatun, Most Nilufa, Md Nazirul Islam Sarker, and Sandip Mitra. “Adoption of Mobile Banking to Promote Financial Inclusion among Rural Farming Community: Drivers and Satisfaction Level Perspective.” Journal of Agriculture and Food Research 18 (2024): 1–10. https://doi.org/10.1016/j.jafr.2024.101448.

Kitsios, Fotis, Ioannis Giatsidis, and Maria Kamariotou. “Digital Transformation and Strategy in the Banking Sector: Evaluating the Acceptance Rate of E-Services.” Journal of Open Innovation: Technology, Market, and Complexity 7, no. 3 (2021): 1–14. https://doi.org/10.3390/joitmc7030204.

Krichewsky, Damien. Corporate Social Responsibility and Economic Responsiveness in India. Edited by Cambridge. Cambridge University Press, 2019. https://doi.org/10.1017/9781108756662.

Kussudyarsana, Kussudyarsana, Huda Maulana, Muhammad Halim Maimun, and Budi Santoso. “The Role of Social Capital, Innovation, and Capabilities on MSMEs’ Resilience in Economic Hard Times.” Jurnal Manajemen Bisnis 14, no. 1 (2023): 72–89. https://doi.org/10.18196/mb.v14i1.15887.

Le, Thanh Dat, Nguyen Nguyen, and Quynh Nguyen. “Technology and Happiness: The Association between Online Budget Planner and Financial Satisfaction.” Review of Behavioral Finance 17, no. 1 (2024): 100–122. https://doi.org/10.1108/RBF-04-2024-0106.

Levin, Andrew T., and John C. Williams. “Robust Monetary Policy with Competing Reference Models.” Journal of Monetary Economics 50, no. 5 (2003): 945–75. https://doi.org/10.1016/S0304-3932(03)00059-X.

Lin, Nan. “Social Capital: Capital Captured through Social Relations.” In Social Capital: A Theory of Social Structure and Action. Structural Analysis in the Social Sciences, 19–28. Cambridge: Cambridge University Press, 2001. https://doi.org/10.1017/CBO9780511815447.

Liu, Zhiyi, and Wenxuan Hou. “Digital Financial Innovation and Regulation.” In Digital Finance: How Innovation Reshapes the Capital Markets, edited by Zhiyi Liu and Wenxuan Hou, 29–43. Singapore: Springer, 2023. https://doi.org/10.1007/978-981-99-7305-7_3.

———. “Digital Wealth Management.” In Digital Finance: How Innovation Reshapes the Capital Markets, edited by Zhiyi Liu and Wenxuan Hou, 65–81. Singapore: Springer, 2023. https://doi.org/10.1007/978-981-99-7305-7_5.

———. “Digitalization of Commercial Banks.” In Digital Finance: How Innovation Reshapes the Capital Markets, edited by Zhiyi Liu and Wenxuan Hou, 45–63. Singapore: Springer, 2023. https://doi.org/10.1007/978-981-99-7305-7_4.

———. “Opportunities and Challenges of Digital Financial Development.” In Digital Finance: How Innovation Reshapes the Capital Markets, edited by Zhiyi Liu and Wenxuan Hou, 1–15. Singapore: Springer, 2023. https://doi.org/10.1007/978-981-99-7305-7_1.

———. “Research on Monetary Theory in Digital Finance.” In Digital Finance: How Innovation Reshapes the Capital Markets, edited by Zhiyi Liu and Wenxuan Hou, 17–27. Singapore: Springer, 2023. https://doi.org/10.1007/978-981-99-7305-7_2.

Luarn, Pin, Jen-Chieh Yang, and Yu-Ping Chiu. “The Network Effect on Information Dissemination on Social Network Sites.” Computers in Human Behavior 37 (2014): 1–8. https://doi.org/10.1016/j.chb.2014.04.019.

Lynch, James J. “The Future of The Moral Dimension in Banking.” In Banking and Finance: Managing the Moral Dimension, 226–47. New Delhi: Woodhead Publishing Limited, 1994. https://doi.org/10.1016/B978-1-85573-176-9.50015-4.

Malik, Awais. “Assessing the Effectiveness of Financial Literacy Mobile Apps Using the Content Analysis Approach.” International Journal of Interactive Mobile Technologies 17, no. 23 (2023): 68–84. https://doi.org/10.3991/ijim.v17i23.42213.

Mansi, Sattar A., Yaxuan Qi, and John K. Wald. “Bond Covenants, Bankruptcy Risk, and the Cost of Debt.” Journal of Corporate Finance 66 (2021): 101799. https://doi.org/10.1016/j.jcorpfin.2020.101799.

Martin, Cathie Jo, and Duane Swank. “Institutional Sources of Employers’ Preferences for Social Policy.” In The Political Construction of Business Interests: Coordination, Growth, and Equality. Cambridge Studies in Comparative Politics, 149–69. Cambridge: Cambridge University Press, 2012. https://doi.org/10.1017/CBO9781139088299.

———. “Social Solidarity after the Crisis of Finance Capitalism.” In The Political Construction of Business Interests: Coordination, Growth, and Equality. Cambridge Studies in Comparative Politics, 248–56. Cambridge: Cambride University Press, 2012. https://doi.org/10.1017/CBO9781139088299.

Masithoh, Fitria Nur. “The Impact of Social Media Influencers on Personal Finance and Investment Decisions: Case Study of Students of The IAI Uluwiyah Mojokerto Sharia Economics Program.” Jurnal At-Tamwil: Kajian Ekonomi Syariah 6, no. 2 (2024): 196–214. https://doi.org/10.33367//at.v6i2.1498.

Mason, Michela C., Francesco Massara, and Francesco Raggiotto. “An Analysis of The Relationships between Human, Technological and Physical Factors in The Retail Banking Sector.” In Italian Journal of Marketing, edited by Luca Petruzzellis, 249–266. Berlin: Springer, 2022. https://doi.org/10.1007/s43039-022-00048-x.

Mason, Michela Cesarina, Gioele Zamparo, and Rubens Pauluzzo. “Amidst Technology, Environment and Human Touch. Understanding Elderly Customers in The Bank Retail Sector.” International Journal of Bank Marketing 41, no. 3 (2023): 572–600. https://doi.org/10.1108/IJBM-06-2022-0256.

Masruron, Muhammad, and Nurul Aulia Adinda Safitri. “Analisis Perkembangan Perbankan Syariah Di Indonesia Di Masa Pandemi Covid-19.” Al Birru: Jurnal Keuangan Dan Perbankan Syariah 1, no. 1 (2022): 1–20. https://jurnal.iaihnwpancor.ac.id/index.php/albirru/article/view/525.

Maulana, Delly. “Efektivitas Program Pemberdayaan Ekonomi Dalam Meningkatkan Kondisi Ekonomi Kaum Perempuan Miskin: Studi Kasus Unit Pelaksana Teknis Pemberdayaan Ekonomi Masyarakat Kota Cilegon.” Universitas Gadjah Mada Yogyakarta, 2009. http://etd.repository.ugm.ac.id/penelitian/detail/43731.

Melnyk, Valeriia. “Transforming The Nature of Trust Between Banks and Young Clients: From Traditional to Digital Banking.” Qualitative Research in Financial Markets 16, no. 4 (2024): 618–35. https://doi.org/10.1108/QRFM-08-2022-0129.

Miller, Rachel. “Social in Corporate Communications.” In Share This Too: More Social Media Solutions for PR Professionals, edited by Rob Brown and Stephen Waddington, 191–99. New Jersey: John Wiley & Sons Ltd, 2012. https://doi.org/10.1002/9781119207993.ch21.

Molla, Samim Aktar, and Sumit Kumar Maji. “How Financially Literate Are Indian Muslims? An Investigation.” Journal of Islamic Accounting and Business Research, 2025. https://doi.org/10.1108/JIABR-12-2023-0410.

Moorman, Christine, Rohit Deshpandé, and Gerald Zaltman. “Factors Affecting Trust in Market Research Relationships.” Journal of Marketing 57, no. 1 (1993): 81–101. https://doi.org/10.1177/002224299305700106.

Moro, Andrea, and Matthias Fink. “Loan Managers’ Trust and Credit Access for Smes.” Journal of Banking & Finance 37, no. 3 (2013): 927–36. https://doi.org/10.1016/j.jbankfin.2012.10.023.

Mota, Pedro Infante. “Government Procurement and Sustainable Development in the WTO.” In Sustainable Finances and the Law: Between Public and Private Solutions, Volume 16, edited by Rute Saraiva and Paulo Alves Pardal, 2019–2249. Cham: Springer, 2024. https://doi.org/10.1007/978-3-031-49460-4_10.

Mourouzidou-Damtsa, Stella, Andreas Milidonis, and Konstantinos Stathopoulos. “National Culture and Bank Risk-Taking.” Journal of Financial Stability 40 (2019): 132–43. https://doi.org/10.1016/j.jfs.2017.08.007.

Müller, Karsten. “Busy Bankruptcy Courts and The Cost of Credit.” Journal of Financial Economics 143, no. 2 (2022): 824–45. https://doi.org/10.1016/j.jfineco.2021.08.010.

Mutya, Tomasi, and Ilankadhir Mathiazhagan. “Mobile Banking Adoption: A Closer Look at the Role of Online Convenience Dimensions.” International Journal of Business Science and Applied Management 19, no. 1 (2024): 47–58. https://doi.org/10.69864/ijbsam.19-1.182.

Nath, Maanik. “Regulating Cooperatives.” In Capital Shortage: Credit and Indian Economic Development, 1920–1960. Cambridge Studies in Economic History - Second Series, edited by Maanik Nath, 150–82. Cambridge: Cambride University Press, 2023. https://doi.org/10.1017/9781009359023.006.

Neely, Andy, ed. Business Performance Measurement: Unifying Theory and Integrating Practice. 2nd ed. Cambridge: Cambridge University Press, 2009. https://doi.org/10.1017/CBO9780511488481.

Neira, Isabel, Marta Portela, and Maricruz Lacalle-Calderon. “The Effects of Democracy and Trust on Subjective Well-Being: A Multilevel Study of Latin American Countries.” In Social Capital and Subjective Well-Being: Insights from Cross-Cultural Studies, edited by Anna Almakaeva, Alejandro Moreno, and Rima Wilkes, 175–94. Cham: Springer, 2021.

Nicolas, Christina, Amine Tarazi, and Gamze Ozturk Danisman. “Disentangling the Effect of Trust on Bank Lending.” Journal of Economic Behavior & Organization 210 (2023): 360–78. Journal of Economic Behavior & Organization.

Ningsih, Erna Dwi, and Atika Wijaya. “Modal Sosial Sebagai Strategi Penanganan Stagnasi Dalam Pengembangan Desa Wisata Liyangan.” Indonesian Journal of Sociology, Education and Development 5, no. 2 (2023): 118–34. https://ijsed.ap3si.org/index.php/journal/article/view/132.

Ningsih, Tri Widyastuti, Daniel Tulasi, and Mesak Yandri Masela. “Investigasi Qualitative : Menggali Tantangan Yang Dihadapi UKM Indonesia Dalam Mengakses Layanan Keuangan.” Sanskara Akuntansi Dan Keuangan 1, no. 3 (2023): 120–30. https://doi.org/10.58812/sak.v1i03.102.

Nurohman, Yulfan Arif, Muhammad Sholahuddin, Melia Kusuma, Ircham Suwarsang Putra, Alean Kistiani Hegy Suryana, Nani Irma Susanti, and Imronudin Imronudin. “Endorsement Practices Of Syariah Digital Investment By Influencers: An Islamic Economic Perspective In Ethics And Sustainability Studies.” Al-Amwal: Jurnal Ekonomi Dan Perbankan Syari’ah 17, no. 1 (2025): 34–47. http://dx.doi.org/10.70095/alamwal.v17i1.19654.

Özşahin, Mehtap, Senay Yurur, and Erman Coskun. “A Field Research to Identify Psychological Factors Influencing the Debt Repayment Behavior in Turkey.” EMAJ Emerging Markets Journal 8, no. 2 (2019): 26–33. https://doi.org/10.5195/emaj.2018.156.

Pack, Mark. “The Unsocial Web.” In Share This Too: More Social Media Solutions for PR Professionals, edited by Rob Brown and Stephen Waddington, 59–66. New Jersey: John Wiley & Sons Ltd, 2012. https://doi.org/10.1002/9781119207993.ch7.

Parker, Adam. “Understanding Social Capital.” In Share This Too: More Social Media Solutions for PR Professionals, edited by Rob Brown and Stephen Waddington, 49–57. New Jersey: John Wiley & Sons, Ltd, 2012. https://doi.org/10.1002/9781119207993.ch6.

Permatasari, An-Nisa, and Iin Sainah. “Modal Sosial Dalam Pengembangan Ekowisata Mangrove Di Desa Lontar Kabupaten Serang.” Journal of Citizenship 3, no. 2 (2024): 91–100. https://doi.org/10.37950/joc.v3i2.518.

Pruden, Hank, ed. “Behavioral Finance.” In The Three Skills of Top Trading: Behavioral Systems Building, Pattern Recognition, and Mental State Management: Behavioral Systems Building, Pattern Recognition, and Mental State Management, 33–54. New Jersey: Wiley-Blackwell, 2012. https://doi.org/10.1002/9781119196822.ch2.

———. “Trader Psychology and Mental Disciplines.” In The Three Skills of Top Trading: Behavioral Systems Building, Pattern Recognition, and Mental State Management: Behavioral Systems Building, Pattern Recognition, and Mental State Management, edited by Hank Pruden, 173–200. New Jersey: Wiley-Blackwell, 2012. https://doi.org/10.1002/9781119196822.ch8.

Radu, Dragos, Ekaterina Skoglund, and Soomin Ma. “Emigration and Trust: Evidence from Eastern Europe and Central Asia.” In Social Capital and Subjective Well-Being: Insights from Cross-Cultural Studies, edited by Anna Almakaeva, Alejandro Moreno, and Rima Wilkes, 45–76. Cham: Springer, 2021. https://doi.org/10.1007/978-3-030-75813-4_3.

Rasche, Andreas, Mette Morsing, and Jeremy Moon, eds. Corporate Social Responsibility: Strategy, Communication, Governance. Cambridge: Cambridge University Press, 2017. https://doi.org/10.1017/9781316335529.

Reeskens, Tim, and Leen Vandecasteele. “The Impact of Economic Insecurity on Social Capital and Well-Being: An Analysis Across Different Cohorts in Europe.” In Social Capital and Subjective Well-Being: Insights from Cross-Cultural Studies, edited by Anna Almakaeva, Alejandro Moreno, and Rima Wilkes, 95–110. Cham: Springer, 2021. https://doi.org/10.1007/978-3-030-75813-4_5.

Riaz, Madiha, Abid Mehmood, Uzair Shabbir, and Syed Mumtaz Ali Kazmi. “Social Interactions Leading Role in Adopting the Fintech: A Case of Banking Sector.” Pakistan Journal of Humanities and Social Sciences 11, no. 2 (2023): 1430–1439. https://doi.org/10.52131/pjhss.2023.1102.0449.

Rita, Paulo, Tiago Oliveira, and Almira Farisa. “The Impact of E-Service Quality and Customer Satisfaction on Customer Behavior in Online Shopping.” Heliyon 5, no. 10 (2019): 1–14. https://doi.org/10.1016/j.heliyon.2019.e02690.

Rithmaya, Chitra Laksmi, Herwin Ardianto, and Evi Sistiyarini. “Gen Z and the Future of Banking: An Analysis of Digital Banking Adoption.” Jurnal Manajemen Dan Kewirausahaan 26, no. 1 (2024): 64–78. https://doi.org/10.9744/jmk.26.1.64-78.

Rosyid, Abdul, Mohamad Shonhaji, and Ansori Ansori. “Implementasi Produk Pembiayaan(LAZIZMA) Layanan Berbasis Jamaah Di KSPPS BMT NU Cabang Pragaan Sumenep.” Currency: Jurnal Ekonomi Dan Perbankan Syariah 1, no. 2 (2023): 160–170. https://doi.org/10.32806/ccy.v1i2.234.

Ruck, Kevin. “Connected Employees.” In Share This Too: More Social Media Solutions for PR Professionals, edited by Rob Brown and Stephen Waddington, 139–48. New Jersey: John Wiley & Sons Ltd, 2012. https://doi.org/10.1002/9781119207993.ch16.

Ruiz, María Amparo Grau. “International Fiscal Cooperation to Better Integrate Public and Private Efforts on Sustainability: The Case of Carbon Offset Credits.” In Sustainable Finances and the Law: Between Public and Private Solutions, Volume 16, edited by Rute Saraiva and Paulo Alves Pardal, 281–94. Cham: Springer, 2024.

Sanneh, Tumani, Ayesha Sheikh, and Muzamir M Mafabi. “Exploring Factors Influencing Trust in Banks: A Multifaceted Analysis.” Bulletin of Business and Economics 13, no. 1 (2024): 696–702. https://doi.org/10.61506/01.00257.

Santos, Sofia. “The Importance of Practicality: The Role of a Transition Green Asset Ratio for Banks.” In Sustainable Finances and the Law: Between Public and Private Solutions, Volume 16, edited by Rute Saraiva and Paulo Alves Pardal, 63–76. Cham: Springer Berlin, 2024. https://doi.org/10.1007/978-3-031-49460-4_3.

Saraiva, Rute. “ESG Factors in Pensions Funds Regulations: Why, How Far Have They Gone, and What Is the Potential for Improvement?” In Sustainable Finances and the Law: Between Public and Private Solutions, Volume 16, edited by Rute Saraiva and Paulo Alves Pardal, 3–25. Cham: Springer, 2024. https://doi.org/10.1007/978-3-031-49460-4_1.

Sarto, Nicola Del, Elisa Bocchialini, Lorenzo Gai, and Federica Ielasi. “Digital Banking: How Social Media Is Shaping the Game.” Qualitative Research in Financial Markets 17, no. 2 (2024): 348–69. https://doi.org/10.1108/QRFM-12-2023-0314.

Sharma, Manisha, Subhojit Banerjee, and Justin Paul. “Role of Social Media on Mobile Banking Adoption among Consumers.” Technological Forecasting and Social Change 180 (2022): 1–13. https://doi.org/10.1016/j.techfore.2022.121720%0A.

Sharma, Manohar, and Manfred Zeller. “Repayment Performance in Group-Based Credit Programs in Bangladesh: An Empirical Analysis.” World Development 25, no. 10 (1997): 1731–42. https://doi.org/10.1016/S0305-750X(97)00063-6.

Shen, Chien-Wen, and Chin-Jin Kuo. “Analysis of Social Influence and Information Dissemination in Social Media: The Case of Twitter.” In Computer Information Systems and Industrial Management: 13th IFIP TC 8 International Conference, CISIM 2014, Ho Chi Minh City, Vietnam, November 5-7, 2014, Proceedings, edited by Khalid Saeed and Václav Snášel, 526–534. Berlin: Springer, 2014. https://doi.org/10.1007/978-3-662-45237-0_48.

Sikarwar, Tarika Singh. “Social Influence and Individual Financial Behavior for Digital Banking: A Causal Study.” International Journal of Accounting and Financial Reporting 9, no. 4 (2019): 242–59. https://doi.org/10.5296/ijafr.v9i4.15905.

Siklos, Pierre L., and Jan-Egbert Sturm, eds. Central Bank Communication, Decision Making, and Governance: Issues, Challenges, and Case Studies. Cesifo Seminar Series. Cambridge: The MIT Press, 2013.

Smith, Andrew Bruce. “Network Topology.” In Share This Too: More Social Media Solutions for PR Professionals, edited by Rob Brown and Stephen Waddington, 287–94. New Jersey: John Wiley & Sons Ltd, 2012. https://doi.org/10.1002/9781119207993.ch32.

Souza, Luciane Moessa de. “Benchmarking of National ESG Banking Regulations: State of Art and Remaining Challenges.” In Sustainable Finances and the Law: Between Public and Private Solutions, Volume 16, edited by Rute Saraiva and Paulo Alves Pardal, 27–61. Cham: Springer, 2024. https://doi.org/10.1007/978-3-031-49460-4_2.

Stam, Erik, Kashifa Suddle, Jolanda Hessels, and André van Stel. “High-Growth Entrepreneurs, Public Policies, and Economic Growth.” In Public Policies for Fostering Entrepreneurship: A European Perspective, Volume 22, edited by Rui Baptista and Joao Leitao, 91–110. New York: Springer, 2009. https://doi.org/10.1007/978-1-4419-0249-8_5.

Stevens, Douglas E. Social Norms and the Theory of the Firm A Foundational Approach. Cambridge: Cambride University Press, 2018. https://doi.org/10.1017/9781108525824.

Stumbauer, Sven. “De-Risking—The Process of ‘Risk Reduction’ That Actually Increased Risk.” In The Next Wave of Global Anti-Money Laundering Enforcement, 109–126. Cham: Palgrave Macmillan, 2025. https://doi.org/10.1007/978-3-031-05824-0_15.

Sundararajan, Binod, Oksana Shkurska, and Shannon Lin. “Culture Shock, Work, and Study Abroad.” In Cross-Cultural Practices in Business and Finance: Frameworks and Skills, edited by Binod Sundararajan, Oksana Shkurska, and Shannon Lin, 37–52. Cham: Palgrave Macmillan, 2023. https://doi.org/10.1007/978-3-031-06440-1_3.

———. “Ethics and Ethical Dilemmas Across the Globe.” In Cross-Cultural Practices in Business and Finance: Frameworks and Skills, edited by Binod Sundararajan, Oksana Shkurska, and Shannon Lin, 53–65. Cham: Palgrave Macmillan, 2023. https://doi.org/10.1007/978-3-031-06440-1_4.

———. “Negotiating Practices.” In Cross-Cultural Practices in Business and Finance: Frameworks and Skills, edited by Binod Sundararajan, Oksana Shkurska, and Shannon Lin, 121–44. Cham: Palgrave Macmillan, 2023. https://doi.org/10.1007/978-3-031-06440-1_8.

———. “Political, Economic, and Cultural Climate of International Business.” In Cross-Cultural Practices in Business and Finance: Frameworks and Skills, edited by Binod Sundararajan, Oksana Shkurska, and Shannon Lin, 15–35. Cham: Palgrave Macmillan, 2023. https://doi.org/10.1007/978-3-031-06440-1_2.

Supriyanto, Achmad, Bambang Budi Wiyono, and Burhanuddin Burhanuddin. “Effects of Service Quality and Customer Satisfaction on Loyalty of Bank Customers.” Cogent Business & Management 8, no. 1 (2021): 1–17. https://doi.org/10.1080/23311975.2021.1937847.

Suryani, Suryani. “Sistem Perbankan Islam Di Indonesia: Sejarah Dan Prospek Pengembangan.” Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah 3, no. 1 (2012): 111–31. https://doi.org/10.18326/muqtasid.v3i1.111-131.

Swift, Ronald S. Accelerating Customer Relationships: Using CRM and Relationship Technologies. New Jersey: Prentice Hall Professional, 2001.

Tahmasebi, Asghar, and Fatemeh Askaribezayeh. “Microfinance and Social Capital Formation- A Social Network Analysis Approach.” Socio-Economic Planning Sciences 76 (2021): 100978. https://doi.org/10.1016/j.seps.2020.100978.

Thanh, Pham Tien, Katsuhiro Saito, and Pham Bao Duong. “Impact of Microcredit on Rural Household Welfare and Economic Growth in Vietnam.” Journal of Policy Modeling 41, no. 1 (2019): 120–39. https://doi.org/10.1016/j.jpolmod.2019.02.007.

Troege, M. “Bank-Firm Relationships: A Review of the Theoretical Literature.” In New Trends in Banking Management. Contributions to Management Science, edited by Constantin Zopounidis, 105–118. Heidelberg: Physica, 2002. https://doi.org/10.1007/978-3-642-57478-8_7.

Uyuni, Badrah, Muhibudin Muhibudin, and Kholis Kohari. “Penggunaan Influencer Di Media Sosial Untuk Mempromosikan Ekonomi Syariah.” El Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah 8, no. 1 (2024): 75–96. https://doi.org/10.34005/elarbah.v8i1.3691.

Uzar, Ceren. “The Usage of Data Mining Technology in Financial Information System.” International Journal of Finance & Banking Studies 3, no. 1 (2014): 51–61. https://doi.org/10.20525/ijfbs.v3i168.

Vera-Cossio, Diego. “Targeting Credit through Community Members.” Journal of the European Economic Association 20, no. 2 (2022): 778–821. https://doi.org/10.1093/jeea/jvab036.

Welter, Friederike. “On the Road to a ‘Culture of Entrepreneurship’?” In Public Policies for Fostering Entrepreneurship: A European Perspective, Volume 22, edited by Rui Baptista and Joao Leitao, 181–95. New York: Springer, 2009. https://doi.org/10.1007/978-1-4419-0249-8_10.

Wirba, Asan Vernyuy. “Corporate Social Responsibility (CSR): The Role of Government in Promoting CSR.” Journal of the Knowledge Economy 15 (2024): 7428–7454. https://doi.org/10.1007/s13132-023-01185-0.

Zailani, Abdullah, Budiyanto Budiyanto, and Djawoto Djawoto. “The Influence Of Relationship Bonds, Trust And Service Quality On Customer Loyalty Through Commitment Variables At Rural Credit Banks In Central Jawa.” Journal of Advances in Accounting, Economics, and Management 2, no. 2 (2024): 1–35. https://doi.org/10.47134/aaem.v2i2.514.

Zhou, Qingji, Fong Jie Lim, Han Yu, Gaoqian Xu, Xiaoyu Ren, Dan Liu, Xiangxin Wang, Xinda Mai, and Hong Xu. “A Study on Factors Affecting Service Quality and Loyalty Intention in Mobile Banking.” Journal of Retailing and Consumer Services 60 (2021): 1–22. https://doi.org/10.1016/j.jretconser.2020.102424.

Zuchowski, David. “Sanctuary Policies and The Mortgage Market Behavior: Reducing Uncertainty to Promote Financial Inclusion.” Journal of Economic Behavior & Organization 229 (2025): 1–14. https://doi.org/10.1016/j.jebo.2024.106869.

Zulfikar, Ian. “Building a Strong Brand: Marketing Strategy to Increase Brand Awareness and Consumer Loyalty.” Neo Journal of Economy and Social Humanities 1, no. 4 (2023): 280–84. https://doi.org/10.56403/nejesh.v1i4.79.