Triwibowo, Sugeng, Defy Oktaviani, Adhitya Ginanjar, and Danu F. Ardiansyah. “Policy Rates Pass-Through in Indonesia’s Dual Banking System: Does Business Cycle Matter?”. Journal of Islamic Monetary Economics and Finance 8, no. 1 (February 28, 2022): 1–24. Accessed February 15, 2026. https://www.jimf-bi.org/JIMF/article/view/1424.