Sakti, Muhammad Rizky Prima, and Mohamed Zulkhibri. “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 March 19, 2019. http://jimf-bi.org/index.php/JIMF/article/view/921.