Munandar, Agus. “Homogeneity, Peer Monitoring, and Group Size on Joint Liability Lending Costs”. AFRE (Accounting and Financial Review) 6, no. 2 (July 20, 2023): 295–305. Accessed January 31, 2025. https://jurnal.unmer.ac.id/index.php/afr/article/view/12659.