ZULFA ZAKIATUL HIDAYAH; ERIN SOLEHA. Fenomena Utang Digital: Mengupas Peran Fintech, Lifestyle, dan Self-Control dalam Perilaku Utang Milenial berdasarkan Gender. Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis, [S. l.], v. 4, n. 1, p. 120–135, 2026. DOI: 10.61132/manuhara.v4i1.2496. Disponível em: https://journal.arimbi.or.id/index.php/Manuhara/article/view/2496. Acesso em: 30 sep. 2026.