Dewantara, Muhammad Giffari, Nur Khusniyah Indrawati, and Risna Wijayanti. 2026. “The Indebtedness of Generation Z in Using Buy Now, Pay Later: The Mediating Role of Materialism (A Study of BNPL Users in Jabodetabek)”. Jurnal Organisasi Dan Manajemen 22 (1):65-78. https://doi.org/10.33830/jom.v22i1.13522.2026.