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 : Journal of Economic, Accounting and Management, [S. l.], v. 4, n. 1, p. 447–458, 2026. DOI: 10.61994/equivalent.v4i1.1416. Disponível em: https://jurnal.dokicti.org/index.php/equivalent/article/view/1416. Acesso em: 25 feb. 2026.