Prasetyo, Muhammad Nara Rafli, and Handy Nugraha. 2026. “Analisis Tren Pembiayaan Alternatif Digital: Studi Kasus Paylater Kredivo Di Indonesia”. JURNAL ILMIAH EDUNOMIKA 10 (2). https://doi.org/10.29040/jie.v10i2.19897.