Nurhidayah, N., Muchlis, S. and Bin Sapa, N. 2025. The Effect of Sharia Financial Literacy and Risk Perception on the Intention to Use Shopee Paylater in Generation Z with Religiosity as a Moderating Variable (A Study on UIN Alauddin Makassar Students). Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE). 8, 3 (Aug. 2025), 9883-9894. DOI:https://doi.org/10.31538/iijse.v8i3.7806.