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<strong>Jurnal Cendekia Keuangan</strong>, [S.l.], v. 5, n. 2, p. 89-102, oct. 2026.
ISSN 2810-0964.
Available at: &lt;<a href="https://ejournal.uniska-kediri.ac.id/index.php/JCK/article/view/9234" target="_new">https://ejournal.uniska-kediri.ac.id/index.php/JCK/article/view/9234</a>&gt;. Date accessed: 17 oct. 2026.
doi: <a href="https://doi.org/10.32503/jck.v5i2.9234">https://doi.org/10.32503/jck.v5i2.9234</a>.