Selviana, N. ., and Z. Zulkarnain. “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), vol. 5, no. 3, Nov. 2025, pp. 784-93, doi:10.53067/ije3.v5i3.414.