MUTTAQIN, I.; NURYANTI , L. . Online loan phenomenon among students: micro and macro psychological analysis: Fenomena pinjaman online di kalangan mahasiswa: analisis psikologi mikro dan makro. Psikologia: Jurnal Pemikiran dan Penelitian Psikologi, [S. l.], v. 18, n. 2, p. 171–184, 2023. DOI: 10.32734/psikologia.v18i2.13873. Disponível em: https://talenta.usu.ac.id/jppp/article/view/13873. Acesso em: 5 aug. 2025.