A. P. Maulida, A. Angkasa, S. Suhadi, and A. B. Munir, “Transforming Credit Guarantees in Indonesia: Legal Reform and Digital Innovation at Askrindo”, jllr, vol. 7, no. 1, pp. 251–292, Jan. 2026, doi: 10.15294/jllr.v7i1.38585.