Rachmansyah Zulkarnaen, Andi, and Nova Adhitya Ananda. “PENGARUH PERSEPSI RISIKO, MATERIALISME DAN PEMBELIAN KOMPULSIF TERHADAP KECENDERUNGAN BERHUTANG”. Proceeding Of Student Conference 1, no. 4 (August 7, 2023): 131–140. Accessed November 23, 2024. http://conference.uts.ac.id/index.php/Student/article/view/568.