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Bricasmastya, Nirmala Afrilia (2023) Pengaruh Perceived Ease Of Use, Social Influence, dan Pendapatan Terhadap Minat Menggunakan Pinjaman Online Shopee Paylater Pada Kalangan Mahasiswa di Kota Surabaya. Undergraduate thesis, Universitas Hayam Wuruk Perbanas Surabaya.