“TANTANGAN SERTA DAMPAK APLIKASI PINJOL DAN GAYA HIDUP KONSUMTIF MAHASISWA DI BOGOR”, JIIC, vol. 1, no. 9, pp. 5482–5488, Nov. 2024, Accessed: Jun. 21, 2026. [Online]. Available: https://jicnusantara.com/index.php/jiic/article/view/1468