Armiawana, A.A. and Widarno, B. 2026. Pengaruh Financial Anxiety, Penggunaan Fintech Kredit, dan Financial Behavior terhadap Debt-to-Income Ratio pada Sivitas Akademika Berpenghasilan di Universitas Slamet Riyadi Surakarta. Indonesian Journal of Multidisciplinary on Social and Technology. 4, 3 (Sep. 2026), 8243–8249. DOI:https://doi.org/10.69693/ijmst.v4i3.13973.