Wibowo, S., R. D. Anggraeni, E. Herijawati, and S. Salikim. “Comparative Analysis of Performance of Cooperative Credit Method ‘PEARLS’”. Primanomics : Jurnal Ekonomi & Bisnis, vol. 18, no. 1, Jan. 2020, pp. 45-53, https://jurnal.buddhidharma.ac.id/index.php/PE/article/view/290.