Nurkamizah, Desca Wahyuni, and Muhammad Fauzan. “USER FINANCIAL LITERACY LEVEL TOWARDS KREDIVO P2P LENDING SERVICES”. MANKEU (JURNAL MANAJEMEN KEUANGAN), vol. 3, no. 2, June 2025, pp. 162-9, https://ingreat.id/index.php/mankeu/article/view/261.