ISLAMIYAH, Maya Adillah; WIDODO, Heri. THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL SELF-EFFICACY, AND SOCIAL NORMS ON RISK CREDIT BEHAVIOR IN PAYLATER USERS . Journal of Economic and Economic Policy, [S. l.], v. 2, n. 2, p. 105–127, 2025. DOI: 10.61796/ijecep.v2i2.62. Disponível em: https://ijec.antispublisher.com/index.php/IJEC/article/view/62. Acesso em: 30 jan. 2026.