Zulkhibri, Muhamed, and Muhammad Rizky Prima Sakti. “PROCYCLICALITY AND BANK LENDING BEHAVIOR IN INDONESIA: THE CASE OF DUAL BANKING SYSTEM”. Journal of Islamic Monetary Economics and Finance 4, no. 1 (August 28, 2018): 23–38. Accessed December 29, 2025. http://jimf-bi.org/JIMF/article/view/921.