Afif ZT, Indrarini R. Pengaruh Literasi Keuangan Syariah, Manfaat, dan Risiko Terhadap Minat Menggunakan Shopee Paylater pada Mahasiswa Surabaya: THE INFLUENCE OF SHARIA FINANCIAL LITERACY, BENEFITS, AND RISKS ON INTEREST IN USING SHOPEE PAYLATER AMONG SURABAYA STUDENTS. JEKoBi [Internet]. 2024 Dec. 31 [cited 2025 Dec. 10];7(3):60-75. Available from: https://journal.unesa.ac.id/index.php/jei/article/view/32493