Harahap, Ainul, Desyana Putri, Agustina Fajriah, Dyah Ardiyanti, and Ryanda Saputra. “Buy Now Pay Later from an Islamic Perspective: Implications for Financial Management and Sustainability Among Millennials”. Islamic Review: Jurnal Riset dan Kajian Keislaman 14, no. 2 (October 23, 2025): 261-278. Accessed January 17, 2026. https://journal.ipmafa.ac.id/index.php/islamicreview/article/view/1831.