Herlina Yustati, Yosy Arisandy, Mardian Suryani, Syafitri Anggraini, and Mohd Hisyam Bin Abdul Rahim, “CONSUMERISM, DEBT, AND GEN Z: CAN RELIGIOSITY BE THE KEY TO BREAKING THE CYCLE?”, ICONIC, vol. 1, no. 2, pp. 318–331, Jan. 2026.