أرسل هذا في رسالة قصيرة: Pengaruh Penggunaan M-Payment, Literasi Keuangan Syariah, Locus Of Control Terhadap Perilaku Keuangan Mahasiswa Muslim Surabaya Selama Pandemi Covid-19

 _    _     _____              __   __   _    _   
| || | ||  |  ___||     ___    \ \\/ // | |  | || 
| || | ||  | ||__      /   ||   \ ` //  | |/\| || 
| \\_/ ||  | ||__     | [] ||    | ||   |  /\  || 
 \____//   |_____||    \__ ||    |_||   |_// \_|| 
  `---`    `-----`      -|_||    `-`'   `-`   `-` 
                         `-`