FACTORS THAT INFLUENCE GENERATION "Z"’S DECISIONS IN CHOOSING SPINJAM AS AN ONLINE LOAN (CASE STUDY IN SUMENEP CITY DISTRICT). ALMABA [Internet]. 2025 Aug. 30 [cited 2026 Mar. 3];1(2):1-10. Available from: https://journal.almaba.org/index.php/JEM/article/view/2