Iskandar, Nabila, Kusmilawaty Kusmilawaty, and Marliyah Marliyah. “Financial Literacy and Self-Efficacy Shape Student Money Management”. Academia Open 10, no. 1 (June 23, 2025): 10.21070/acopen.10.2025.11205. Accessed September 1, 2025. https://acopen.umsida.ac.id/index.php/acopen/article/view/11205.