Lubis, T., Bi Rahmani, N. A., & Imsar. (2026). Buy Now Pay Later Usage Intensity, Financial Distress, and Coping Strategies: A Qualitative Study of Muslim University Students in Medan, Indonesia. Jurnal Bisnis Dan Manajemen, 13(1), 189–198. https://doi.org/10.26905/jbm.v13i1.17580