Kumalasari, F. I. and Dirgantara, I. M. B. (2021) “STUDY OF SOCIAL CULTURAL ENVIRONMENTAL PHENOMENOLOGY ON CREDIT DECISION MAKING AT BANK CENTRAL ASIA TBK OFFICE REGION II SEMARANG”, International Journal of Economics, Business and Accounting Research (IJEBAR), 5(4). doi: 10.29040/ijebar.v5i4.4184.