Sugiarto, Bagus Bachrul Salam. “Pengaruh Pinjaman Online Terhadap Gaya Hidup Mahasiswa Akuntansi Di Kabupaten Sidoarjo ”. Innovative Technologica: Methodical Research Journal 2, no. 2 (January 8, 2024): 15. Accessed June 5, 2025. https://innovative.pubmedia.id/index.php/Innovative/article/view/29.