L. V. Franco and L. V. M. Leal, “BETWEEN FINANCIAL INCLUSION AND OLDER ADULTS’ INDEBTEDNESS: PAYROLL LOANS AS A BYPRODUCT OF SOCIOECONOMIC INSECURITY”, REASE, vol. 12, no. 9, pp. 1–17, Sep. 2026, doi: 10.51891/rease.v12i9.25041.