Adhitya Ananda, Nova, Sri Utami Ady, and Nur Sayidah. “The Role of Financial Literacy and Self-Control in Managing Students’ Consumptive Behavior With PayLater Usage Decisions As a Mediating Variable ”. International Journal of Social Science, Education, Communication and Economics 3, no. 5 (December 24, 2024): 1355–1366. Accessed March 18, 2026. https://sinomicsjournal.com/index.php/sj/article/view/420.