Ratulangi, Galuh, and Rachma Indrarini. “Determinan Impulsive Buying Produk Fashion Menggunakan Pay Later Pada Generasi Z Di Kota Surabaya”. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 7, no. 3 (March 4, 2026): 1297–1325. Accessed April 30, 2026. https://journal-laaroiba.com/ojs/index.php/elmal/article/view/10270.