“Anugrah atau Musibah”: Pinjaman Online di Kalangan Mahasiswa. Emik, [S. l.], v. 7, n. 2, p. 138–150, 2024. DOI: 10.46918/emik.v7i2.2471. Disponível em: https://ejournals.umma.ac.id/index.php/emik/article/view/2471. Acesso em: 31 jul. 2025.