AZMI, N.; WIDIYASTI, B. D.; ZAHRAH, Z.; HENDRI, W.; DETHAN, S. H. Pengaruh Inklusi Keuangan, Persepsi Risiko dan Persepsi Persepsi Kemudahan terhadap Konsumen Pinjaman Online. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, [S. l.], v. 8, n. 4, p. 1347-1354, 2025. DOI: 10.37481/sjr.v8i4.1255. Disponível em: https://www.ojspustek.org/index.php/SJR/article/view/1255. Acesso em: 7 oct. 2026.