YUNELINE, Mirza Hedismarlina; RUCHIYAT, Elvita Fujiyama. Socio-Economic Impact of Digital Credit Accessibility: A Quantitative Analysis of Shopee Paylater Adoption and Consumptive Behavior . Husnayain Business Review, [S. l.], v. 6, n. 1, p. 120–134, 2026. DOI: 10.54099/hbr.v6i1.1766. Disponível em: https://journal.adpebi.com/index.php/hbr/article/view/1766. Acesso em: 7 may. 2026.