Kebiasaan Berutang di Era Digital: Kontribusi Budaya Hemat dan Akses Pinjaman Online terhadap Kesehatan Keuangan Rumah Tangga. Journal of Capital Markets and Banking, [S. l.], v. 13, n. 2, p. 72–95, 2025. DOI: 10.63607/jcmb.v13i2.15. Disponível em: https://journal.adlermanurungpress.com/index.php/jpmp/article/view/15. Acesso em: 2 may. 2026.