Irena, Florencia, and Stanislaus Adnanto Mastan. 2024. “PENGARUH FINANCIAL LITERACY, FINANCIAL INCLUSION, FINANCIAL BEHAVIOR TERHADAP KEPUTUSAN MELAKUKAN PINJAMAN ONLINE”. JURNAL ILMIAH EDUNOMIKA 8 (3). https://doi.org/10.29040/jie.v8i3.14377.