“DETERMINAN KEPUTUSAN KONSUMEN TERHADAP METODE DEFERMENT PAYMENT DIGITAL: PERSPEKTIF PERILAKU EKONOMI SYARIAH MAHASISWA” (2025) Human Capital Management, 3(3), pp. 213–220. Available at: https://jurnalpustaka.com/index.php/macan/article/view/121 (Accessed: 22 October 2026).