Wijayanto, G, Y Suryana, Y M Oesman, A Helmi, and S Sutisna. 2019. “The Effect of Perceived Value and Social-Psychology on Shopping Decisions Using Credit Card”. Proceeding Interuniversity Forum for Strengthening Academic Competency 1 (1):374-78. https://proceedings.conference.unpas.ac.id/index.php/ifsac/article/view/190.