Rumtutuly, H.H. and Atahau, A.D.R. 2023. Credit Decision Using Pay Later: The Role of Consumptive Behavior and Financial Literacy with Peer Pressure and Self-Control as Moderators. AFRE (Accounting and Financial Review). 6, 3 (Nov. 2023), 394–404. DOI:https://doi.org/10.26905/afr.v6i3.11488.