“Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Pengguna Shopee Paylater Di Universitas HKBP Nommensen Medan”. Journal of Golden Generation Economic 2, no. 1 (January 27, 2026): 263–270. Accessed July 26, 2026. https://ejournal.lppnusantara.com/index.php/JGGEconomic/article/view/372.