Helmas Septiyo Hadi et al. 2025. PUBLIC PERCEPTION OF THE POSITIVE AND NEGATIVE IMPACTS OF ONLINE LOANS IN THE DIGITAL ERA IN SERANG CITY. Multidiciplinary Output Research For Actual and International Issue (MORFAI). 5, 3 (Sep. 2025), 5632–5641. DOI:https://doi.org/10.54443/morfai.v5i3.4159.