Selviana, N. . and Zulkarnain, Z. (2025) “FINANCIAL STRESS AND ITS IMPACT ON RISKY CREDIT BEHAVIOUR: EVIDENCE FROM GENERATION Z PAYLATER USERS IN SUKABUMI”, International Journal of Economy, Education and Entrepreneurship (IJE3), 5(3), pp. 784–793. doi: 10.53067/ije3.v5i3.414.