FACTORS THAT INFLUENCE GENERATION "Z"’S DECISIONS IN CHOOSING SPINJAM AS AN ONLINE LOAN (CASE STUDY IN SUMENEP CITY DISTRICT). ALMABA : Indonesian Journal of Economics and Management, [S. l.], v. 1, n. 2, p. 1–10, 2025. Disponível em: https://journal.almaba.org/index.php/JEM/article/view/2. Acesso em: 3 mar. 2026.