RAMADHANI, Oktafina; ATI. The Influence of Ease of Access, Income Level, and Risk Perception on the Decision to Usse Online Loans among the Jakarta Community. Siber Nusantara of Economic and Finance Review, [S. l.], v. 2, n. 2, p. 820–825, 2026. DOI: 10.38035/snefr.v2i2.1152. Disponível em: https://research.e-siber.org/SNEFR/article/view/1152. Acesso em: 23 sep. 2026.