N. Sudiyarti, R. Rachman, U. Usman, and E. Sutrisno, “PAY LESS TO SAVE PLANET: GREEN LOAN PARADOX DAN RESISTENSI UMKM TERHADAP PEMBIAYAAN BERKELANJUTAN BERSUBSIDI”, SIBATIK, vol. 5, no. 1, pp. 163–172, Dec. 2025.