Reynaldo Faisal Ardiansyah, & Sa'diyah, M. (2026). The The Influence of Perception of Convenience, Islamic Lifestyle, and Religiosity on the Consumptive Behavior of Buy Now Pay Later Users of Generation Z in Jepara. Al-Kharaj: Journal of Islamic Economic and Business, 8(1). https://doi.org/10.24256/kharaj.v8i1.9568