NAVENIA, S. X.; NABELLA, F. S.; NURHAYATI, E. C. Pengaruh Penggunaan Buy Now Pay Later dan Hedonic Lifestyle terhadap Financial Distress dengan Self-Control sebagai Variabel Moderasi. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, [S. l.], v. 9, n. 4, p. 2286-2295, 2026. DOI: 10.37481/sjr.v9i4.1780. Disponível em: https://www.ojspustek.org/index.php/SJR/article/view/1780. Acesso em: 2 nov. 2026.