Rahmadan, Rizki Galang, Thomas Sumarsan Goh, and Murphy Mutie. 2026. “Debt Crowdfunding Growth and MSME Credit Risk in Indonesia’s Sustainable Digital Economy”. IAIC Transactions on Sustainable Digital Innovation (ITSDI) 8 (1):85-96. https://doi.org/10.34306/itsdi.v8i1.746.