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Fadhila Nur Kharisma, Devi Astriani and Fista Apriani Sujaya 2025. The Influence Of Students’ Spirituality And Religiosity On The Use Of Shopee Paylater Facilities With Usury As A Moderating Variable. International Journal of Management, Economic, Business and Accounting. 3, 2 (Jun. 2025), 66–83. DOI:https://doi.org/10.58468/ijmeba.v3i2.109.