DeriM. F., SaragihR. M., AndiniA., HanumF., & SiraitN. (2023). Pengaruh Analisis SWOT Digital Payment (OVO) terhadap Perilaku Konsumtif Mahasiswa. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 4(5), 1387-1394. https://doi.org/10.47467/elmal.v4i5.3313