Awaluddin, R. I. ., F. H. Indiyah, and A. . Hendarno. “Factors Affecting The Readiness Of Sharia Paylater Implementation At Universitas Negeri Jakarta”. International Journal of Business, Law, and Education, vol. 5, no. 1, Jan. 2024, pp. 365 -66, doi:10.56442/ijble.v5i1.387.