Faktor-Faktor yang Memengaruhi Mahasiswa S1 Menggunakan Pinjaman Online di Yogyakarta. Community Engagement and Emergence Journal (CEEJ), [S. l.], v. 6, n. 5, p. 5113–5127, 2026. DOI: 10.37385/j05w3w30. Disponível em: https://journal.yrpipku.com/index.php/ceej/article/view/11131. Acesso em: 3 nov. 2026.