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. Finansha: Journal of Sharia Financial Management, [S. l.], v. 7, n. 1, p. 44–66, 2026. Disponível em: https://journal.uinsgd.ac.id/index.php/finansha/article/view/55818. Acesso em: 21 jun. 2026.