R. . Antika, B. T. . Gultom, and D. P. M. . Sitorus, “The Influence of Student Income and Lifestyle on Paylater Services (Case Study on Students of The Economics Education Study Program, HKBP Nommensen University, Pematangsiantar)”, PIJAR, vol. 4, no. 1, pp. 489–499, Dec. 2025.