Angelica, Nadya, Dewi Astuti, and Evelyn Evelyn. “Hesitancy to Seek Help Millennial Generation in Surabaya”. Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) 1, no. 1 (October 1, 2019): 61–76. Accessed February 19, 2026. https://ojs.somebut.my.id/index.php/JAEF/article/view/999.