PUTRA, H. S.; HULJANNAH, M.; ANIS, A.; AZHAR, Z. Debit and Credit Cards: Money Velocity Risks. Jurnal Ekonomi & Studi Pembangunan, [S. l.], v. 22, n. 2, p. 228–243, 2021. DOI: 10.18196/jesp.v22i2.11208. Disponível em: https://journal.umy.ac.id/index.php/esp/article/view/11208. Acesso em: 3 oct. 2025.