Awalia Ririn Maulidina, Noni Setyorini, Rita Meiriyanti. The Influence of Financial Literacy and Interest Rate Perception on Paylater Usage Decisions for Business Capital with Risk Perception as a Moderating Variable (Study on MSMEs in Genuk District, Semarang). Equivalent . 2026;4(1):447-458. doi:10.61994/equivalent.v4i1.1416