Sapira, Bella, Juhari Juhari, Suhardi Suhardi, and Mohamad Makrus. “Financial Self-Efficacy, Lifestyle, and Peer Influence on Credit Decisions: The Mediating Role of Financial Control in Gen Z”. Economic: Journal Economic and Business 4, no. 2 (June 8, 2025): 292–307. Accessed July 25, 2025. https://jurnal.larisma.or.id/index.php/EJEB/article/view/1082.