Utami, Rahmi, and Hary 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 1, no. 1 (July 10, 2023): 1–11. Accessed December 22, 2025. https://journal.gpcpublisher.com/index.php/insoma/article/view/13.