BELAU, K.; YINUSA, O. G.; AROWONA, K. T. Digital Lending, Credit Risk, and Financial Inclusion in Emerging Economies. CHEVRA: Indonesian Journal of Economic, Science, and Humanities, [S. l.], v. 1, n. 1, p. 47–77, 2026. DOI: 10.46362/chevra.v1i1.139. Disponível em: https://indonesiastt.ac.id/journal/index.php/chevra/article/view/139. Acesso em: 18 oct. 2026.