B. Tanggahma and J. Yoseph Palenewen, “Borrowing and Lending Procedures with Fiduciary Guarantee at the Mega Buana Makmur Savings and Loans Cooperative in Jayapura City”, LAW PASS Int. J. Law Public Adm. Soc. Stud., vol. 3, no. 1, pp. 1–11, Apr. 2026.