Factors in Credit Decision-making and Related Research Gaps in Indonesia: A Literature Review. - Dewi Sari Pinandita; Hilya M. Arini; Budi Hartono; Budhi S. Wibowo (IEEM, 2022)

Risk Perception in the Presentation Style of Loan Proposals by SME Bankers. - Dewi Sari Pinandita; Budi Hartono; Budhi S. Wibowo (IEEM, 2024)