Sukmaningrum, Dinda, Dodi Setiawan Riatmaja, Narwanto Nurcahyo, and Nurhayanto Nurhayanto. 2025. “Peminjaman Digital: Peran Rasionalitas, Pengalaman, Dan Niat Perilaku Dalam Re-Apply P2P Lending Di Yogyakarta”. Management Studies and Entrepreneurship Journal (MSEJ) 6 (5):539-53. https://doi.org/10.37385/msej.v6i5.9270.