Kurniawan, Sabda Aji, et al. “Gold Pawn Services and Sustainable Financial Inclusion: The Roles of Service Convenience, Perceived Value, Customer Engagement, and Institutional Trust”. Journal of Sustainability, Society, and Eco-Welfare, vol. 4, no. 1, July 2026, pp. 17-36, doi:10.61511/jssew.v4i1.2026.3513.