Yudha, Ana Toni Roby Candra, et al. “Psychosocial Strains and Default Behavior in Islamic Fintech: An Urban-Rural GST Perspective”. Al-Uqud : Journal of Islamic Economics, vol. 9, no. 2, Aug. 2025, https://journal.unesa.ac.id/index.php/jie/article/view/43536.