Malelak, Mariana Ing, and Nathania Mirabel Halim. “SPENDING PATTERNS ON MILLENNIAL GENERATION IN SURABAYA”. International Journal of Financial and Investment Studies (IJFIS) 2, no. 1 (September 21, 2021): 20-26. Accessed July 20, 2026. https://ijfis.petra.ac.id/index.php/ijfis/article/view/67.