Noni Oktavianti and Masiyah Kholmi 2026. The Role of Control and Decision-Making in Online Loan Usage on the Financial Resilience of Bank Employees in Malang City. Al-Kharaj: Journal of Islamic Economic and Business. 8, 3 (Aug. 2026). DOI:https://doi.org/10.24256/kharaj.v8i3.11775.