Kurniawati A, Wulandari N, Rofianto W, Simatupang B. Perilaku Generasi Z terhadap Pinjaman Online: Studi Kualitatif Mengenai Kebutuhan Finansial Jangka Pendek, Gaya Hidup, Literasi Keuangan, Promosi, Persepsi Risiko, dan Status Sosial. JKP [Internet]. 2025Dec.29 [cited 2026Feb.7];22(01):77-88. Available from: https://journal.ibs.ac.id/index.php/jkp/article/view/913