(1)
B. Miftahulzannah Siregar; Muhammad Ikhsan Harahap; Faisal Umardani Hasibuan. ANALYSIS OF FACTORS AFFECTING PAYLATER USAGE AMONG GENERATION Z STUDENTS: PERSPECTIVES ON SHARIA CONSUMPTION BEHAVIOR, SHARIA FINANCIAL BEHAVIOR, AND SALES PROMOTION. FJSFM 2026, 7, 44-66.