Suwindra, Anak Agung Putu, Rommy Hardyansah, and Dharma Setiawan Negara. 2026. “Fiduciary Security and Non-Performing Loan Collection Practices by Financing Companies in Indonesia”. Journal of Social Science Studies 6 (2): 1-14. https://jos3journals.id/index.php/jos3/article/view/411.