Marheni, Dewi Khornida, Riski Widiyanti, Hery Haryanto, and Roque B. Cruz II. 2025. “Financial Literacy, Financial Parenting, and Riba Awareness: Drivers of BNPL Use Among Muslim Youth”. Jurnal REKSA: Rekayasa Keuangan, Syariah Dan Audit 12 (2):190-214. https://doi.org/10.12928/jreksa.v12i2.13777.