ISTIQOMAH, Nur; SUTRISNO, Sutrisno. Digital Borrowing Behavior Among Students: The Role of Financial Literacy, Lifestyle, and Financial Inclusion in Online Loan Use. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), [S. l.], v. 12, n. 1, p. 610–620, 2026. DOI: 10.35870/jemsi.v12i1.5919. Disponível em: https://journal.lembagakita.com/jemsi/article/view/5919. Acesso em: 1 jun. 2026.