Valentino, P., H. Sirait, and S. Selviawati. “Pinjaman Online Dan Krisis Tanggung Jawab Keluarga Kristen”. Jurnal Ilmiah Wahana Pendidikan, Vol. 11, no. 6.D, June 2025, pp. 390-0, https://www.jurnal.peneliti.net/index.php/JIWP/article/view/12296.