Damayanti, Niken, Fitri, and M. Syahrullah. “Pengaruh Pinjaman Online Terhadap Perilaku Konsumtif Mahasiswa Perbankan Syariah Kota Pekanbaru”. Journal of Islamic Banking, Economics and Finance 2, no. 1 (December 2, 2025): 47–65. Accessed February 22, 2026. https://el-emir.com/index.php/jibef/article/view/309.