@unpublished{repository45666,
           title = {LOA ANALISIS DAMPAK PENGGUNAAN S-PAY LATER TERHADAP PERILAKU KEUANGAN MAHASISWA DI ERA EKONOMI DIGITAL},
       publisher = {JURKAMI},
            note = {Unpublished},
          author = {Onny Fitriana, Onny},
             url = {http://repository.uhamka.ac.id/id/eprint/45666/}
}