“DETERMINAN KEPUTUSAN KONSUMEN TERHADAP METODE DEFERMENT PAYMENT DIGITAL: PERSPEKTIF PERILAKU EKONOMI SYARIAH MAHASISWA”. Human Capital Management 3, no. 3 (September 30, 2025): 213–220. Accessed October 22, 2026. https://jurnalpustaka.com/index.php/macan/article/view/121.