Arina Masrurah, La Ode Ismail Ahmad. Perilaku Konsumtif Pengguna Buy Now Pay Laterpada Gen Z dalam Perspektif Hadis Nabi Saw. JHI. 2026;1(1):98-115. Accessed September 2, 2026. https://journal.saorajahadisinstitute.org/index.php/jhi/article/view/22