Istiqomah, Nur, and 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) 12, no. 1 (February 1, 2026): 610–620. Accessed June 1, 2026. https://journal.lembagakita.com/jemsi/article/view/5919.