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Sri Rahayu Hijrah, Hati and Hamrila, Abdul Latip and T., Ramayah (2025) Strain between financial knowledge, ethics, materialism among Muslim consumers: impact on payday loan behavior. Journal of Islamic Marketing. pp. 1-27. ISSN 1759-0833
Sri Rahayu Hijrah, Hati and Hamrila, Abdul Latip (2023) Behind the curtain of payday lending : revealing consumer insights and ethical challenges in Indonesia and the USA using web-scraping methods. International Journal of Ethics and Systems. pp. 1-17. ISSN 2514-9369