Dewi, Novriana, Pragawati Pragawati, and Nofica Andriyati. 2026. “Reframing Financial Education in the Algorithmic Age: A Critical Inquiry into Digital Lending and Consumptive Culture Among Indonesian University Students”. Tunjuk Ajar: Journal of Education and Culture 2 (2):108-24. https://doi.org/10.64929/ta.v2i2.86.