Grediani, Evi, and Tio Waskito Erdi. 2026. “Why Do Borrowers Become Over-Indebted? The Roles of Financial Literacy, Risk Perception, and Behavioral Bias in Peer-to-Peer Lending”. Journal of Economics, Business, and Accountancy Ventura 29 (1): 57-70. https://doi.org/10.14414/jebav.v29i1.5561.