Credit Risk Models For Five Major Sectors In Indonesia -- Ndari Surjaningsih, Ina Nurmalia Kurniati, Reni Indriani -- 409-428rnImpact of Financial Inclusion on Financial Stability based on Income Group Countries -- Azka Azifah Dienillah, Lukytawati Anggraeni, Sahara Sahara -- 429-442rnThe Analysis of Risk Profile and Financial Vulnerability of Households in Indonesia -- Ahmad Kameel Mydin Meera -- 475-492rnThe Denomination Effect On Spending Through Experimental Approach -- Bambang Juanda -- 493-528rnDisaggregation and Forecasting of the Monthly Indonesian Gross Domestic Product (GDP) -- Profita Sumunar Luthfiana, Nasrudin Nasrudin -- 529-556rn