ARMIAWANA, Azzahra Annisa; WIDARNO, Bambang. 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, [S. l.], v. 4, n. 3, p. 8243–8249, 2026. DOI: 10.69693/ijmst.v4i3.13973. Disponível em: https://journal.ilmudata.co.id/index.php/ijmst/article/view/13973. Acesso em: 26 sep. 2026.