REKONSTRUKSI PREFERENSI FINANSIAL GENERASI Z: PENGARUH LITERASI RIBA DAN PERSEPSI RISIKO TERHADAP KETERTARIKAN PENGGUNAAN LAYANAN PAYLATER. Human Capital Management, [S. l.], v. 3, n. 3, p. 189–202, 2025. Disponível em: https://jurnalpustaka.com/index.php/macan/article/view/119. Acesso em: 22 oct. 2026.