DEWI KUSUMA WARDANI; INDRA. External Locus of Control dan Perilaku Konsumtif terhadap Penggunaan Shopee Paylater “Beli Sekarang Bayar Nanti”. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, [S. l.], v. 5, n. 6, p. 3109–3126, 2024. DOI: 10.47467/elmal.v5i6.2130. Disponível em: https://journal-laaroiba.com/ojs/index.php/elmal/article/view/2130. Acesso em: 31 may. 2026.