Adabiyah, R., Amalia, H., & Faris, S. (2024). WHAT FACTORS INFLUENCE COLLEGE STUDENTS DECISION TO USE PAYLATER?. Proceedings Of The International Conference Of Islamic Economics And Business (ICONIES), 10(1), 867-878. Retrieved from https://conferences.uin-malang.ac.id/index.php/iconies/article/view/2992