Yanti, Hana Putri, Baiq Dinna Widiyasti, Susilo Talidobel, Wira Hendri, and Baiq Nadia Nirwana. “Pengaruh Literasi Keuangan, Pendapatan Dan Persepsi Risiko Terhadap Konsumen Pinjaman Online Di Kota Mataram”. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business 8, no. 4 (October 1, 2025): 1338-1346. Accessed October 7, 2026. https://www.ojspustek.org/index.php/SJR/article/view/1254.