Hiddaryah, E. and Suryadi, E. 2025. The Influence of Financial Behavior, Income, and Risk on the Use of Shopee PayLater among the People of Singkawang City with Locus of Control as a Moderating Variable. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE). 8, 3 (Oct. 2025), 11600-11616. DOI:https://doi.org/10.31538/iijse.v8i3.8029.