ANGELITA, Debry Octavia; WIKARTIKA, Ira. 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), [S. l.], v. 5, n. 2, p. 53–64, 2025. DOI: 10.37531/amar.v5i1.2556. Disponível em: https://ojs.stieamkop.ac.id/index.php/amar/article/view/2556. Acesso em: 29 mar. 2026.