Irawan, B., and S. Rakhman. “Income Exploration and Behavioral Bias in Insurance Customers’ Decision-Making: A Qualitative Study at PT Asuransi BDIR”. Journal Arbitrase : Economy, Management and Accounting, vol. 3, no. 02, June 2025, pp. 8-14, doi:10.58471/arbitrase.v3i02.175.