Yanti, H. P., Widiyasti, B. D., Talidobel, S., Hendri, W. and Nirwana, B. N. (2025) “Pengaruh Literasi Keuangan, Pendapatan dan Persepsi Risiko terhadap Konsumen Pinjaman Online di Kota Mataram”, SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, 8(4), pp. 1338-1346. doi: 10.37481/sjr.v8i4.1254.