Angelita, D. O. ., & Wikartika, I. (2025). Online Loan Usage Decisions Among Gen Z in Surabaya: The Roles of OJK Regulation, Locus of Control, Perceived Convenience, and Lifestyle. Amkop Management Accounting Review (AMAR), 5(2), 53–64. https://doi.org/10.37531/amar.v5i1.2556