KORNIAWAN, Rostamaji. College Students’ Perception of State-Managed Debt. International Journal of Multidisciplinary: Applied Business and Education Research, Malang, Indonesia, v. 5, n. 9, p. 3456–3474, 2024. DOI: 10.11594/ijmaber.05.09.05. Disponível em: https://ijmaberjournal.org/index.php/ijmaber/article/view/1793. Acesso em: 25 mar. 2026.