IRENA, Florencia; MASTAN, Stanislaus Adnanto. PENGARUH FINANCIAL LITERACY, FINANCIAL INCLUSION, FINANCIAL BEHAVIOR TERHADAP KEPUTUSAN MELAKUKAN PINJAMAN ONLINE. JURNAL ILMIAH EDUNOMIKA, [S. l.], v. 8, n. 3, 2024. DOI: 10.29040/jie.v8i3.14377. Disponível em: https://www.jurnal.stie-aas.ac.id/index.php/jie/article/view/14377. Acesso em: 27 sep. 2025.