Erwan, Hasnawi, Mohammad Mukhsin, and Mohamad Ainun Najib. 2026. “The Effects of Income and Islamic Lifestyle on Consumptive Behavior in the Use of Shopee PayLater: A Study in Setiabudi District”. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah 11 (4). https://doi.org/10.30651/jms.v11i4.30245.