Tamara, Alfinda Pinky, and Yuli Agustina. “FINANCIAL MANAGEMENT BEHAVIOR ON BUY NOW PAY LATER USERS: DOES EDUCATION LEVEL MEDIATES THE EFFECT?”. JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES 3, no. 3 (April 6, 2024): 675–693. Accessed April 22, 2026. https://ojs.transpublika.com/index.php/MARGINAL/article/view/1129.