“FITUR PAY LATER : KEBIASAAN BERHUTANG DAN KEIMPLUSIFAN BERBELANJA”. Jurnal Sosial-Politika 4, no. 2 (December 5, 2023): 95–105. Accessed December 14, 2025. https://jsp.fisip-unmul.ac.id/site/index.php/jsp/article/view/67.