E. F. S. . Simanjorang, A. S. R. . Hutagaol, E. Mulyana, B. . Rifai, and A. Syiarudin, “The linkage of perceptions of online loans and financial literacy to interest in online loans with lifestyle as a moderating variable”, ijafibs, vol. 11, no. 2, pp. 146–175, Sep. 2023.