GILANG KHARISMA PUTRA; ARUM PUJIASTUTI. Why Generation Z Borrow? The Roles of Fomo, Financial Overconfidence, and BNPL. Lokawati : Jurnal Penelitian Manajemen dan Inovasi Riset, [S. l.], v. 4, n. 3, p. 104–121, 2026. DOI: 10.61132/lokawati.v4i3.2676. Disponível em: https://journal.arimbi.or.id/index.php/Lokawati/article/view/2676. Acesso em: 2 oct. 2026.