SADIQIN, A. . The Influence of Financial Literacy and Risk Perception on Interest in Using Paylater in Communities of Waru, Sidoarjo District. International Journal of Economics, Management and Accounting (IJEMA), [S. l.], v. 1, n. 11, p. 827–832, 2024. Disponível em: https://ij.lafadzpublishing.com/index.php/IJEMA/article/view/117. Acesso em: 19 may. 2025.