Rumintjap, F. O., S. Supramono, and A. I. Sulistyawati. “Financial Literacy, Lifestyle, and Education in Prudent Online Borrowing Decisions: The Mediating Role of Self-Control”. Journal of Economics, Entrepreneurship, Management Business and Accounting, vol. 4, no. 5, Aug. 2026, pp. 2334-55, doi:10.61255/jeemba.v4i5.1645.