Utami, R., and H. Soesetyo. “The Important Role of Education in Moderating The Impact of Perceived Security, Social Influence, and Platform Reputation on Investment Intention on SMEs With Peer-to-Peer Lending Platform”. International Journal of The Newest Social and Management Research, vol. 1, no. 1, July 2023, pp. 1-11, doi:10.59693/insoma.v1i1.13.