SUJOKO, S.; NAJWA, N.; SUHERLI, S. THE ROLE OF MODERATING EFFECT OF SOCIAL DEMOGRAFY TO FINANCIAL LITERACY , SELF CONTROL , AND RISK TOLERANCE ON FINANCIAL BEHAVIOR SHOPEE USER PAYLATER IN DIY. International Journal of Social and Management Studies, [S. l.], v. 6, n. 6, p. 18–43, 2025. DOI: 10.5555/ijosmas.v6i6.551. Disponível em: https://ijosmas.org/index.php/ijosmas/article/view/551. Acesso em: 11 nov. 2025.