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 [Internet]. 2026 Feb. 11 [cited 2026 Feb. 25];4(1):447-58. Available from: https://jurnal.dokicti.org/index.php/equivalent/article/view/1416