Siti Ghadizah Nur Sitorus, et al. “The Effect of Financial Awareness and Hedonistic Lifestyle on The Debt-Taking Behavior of Uinsu Students Through Peer-To-Peer (P2p) Lending Platforms”. Al-Kharaj: Journal of Islamic Economic and Business, vol. 8, no. 3, Aug. 2026, doi:10.24256/kharaj.v8i3.12422.