ISKANDAR, N.; KUSMILAWATY, K.; MARLIYAH, M. Financial Literacy and Self-Efficacy Shape Student Money Management. Academia Open, [S. l.], v. 10, n. 1, p. 10.21070/acopen.10.2025.11205, 2025. DOI: 10.21070/acopen.10.2025.11205. Disponível em: https://acopen.umsida.ac.id/index.php/acopen/article/view/11205. Acesso em: 1 sep. 2025.