MURDIATI, Eni; ZAINAL, Nurazilah; SYARIFUDIN, Achmad; SANUSI, Zuraidah Mohd; RODZI, Zahari Md. Impact of Women Borrowers Culture on the Financial Efficiency of Microfinance Institutions in ASEAN-4 Countries. Journal of Intercultural Communication, London, U.K., v. 23, n. 2, p. 25–32, 2023. DOI: 10.36923/jicc.v23i2.96. Disponível em: https://www.immi.se/index.php/intercultural/article/view/1196-Zainaletal-63. Acesso em: 29 mar. 2026.