Hayati, A. and Azis, M. (2023) “Pengaruh Kemudahan NVP dan Pendapatan terhadap Perilaku Konsumtif Santriwati Pondok Pesantren Wali Songo Ngabar Ponorogo”, Financial and Accounting Indonesian Research, 3(1), pp. 28-34. doi: 10.36232/jurnalfairakuntansiunimuda.v3i1.4409.