Constansje, Brithania, 		Kurniasari, Florentina, AND 		Abubakar, Arlyana.
"The Effects of Financial Literacy, Self-Efficacy, and Financial Stress on Risky Credit Behav-ior of Generation Z: Evidence from Pay Later Users" <em>Journal of Entrepreneurship, Business and Economics</em> [Online], Volume 11 Number 1 (20 June 2023)