Sholikha, Nur Lailatus, Nadia Asandimitra Haryono, and Harlina Meidiaswati. “ The Influence of Financial Literacy, Money Attitude, and Self-Control on Financial Distress Through Impulsive Buying As a Mediating Variable Among Paylater Users in Surabaya City”. Al-Kharaj: Journal of Islamic Economic and Business 8, no. 2 (June 17, 2026). Accessed June 18, 2026. https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/10637.