R. Listiyani and D. Prapanca, “The Effect of Financial Literacy, Financial Attitude and Personality on Financial Management Behavior: Pengaruh Literasi Keuangan, Sikap Keuangan dan Kepribadian Terhadap Perilaku Manajemen Keuangan”, ijins, vol. 20, p. 10.21070/ijins.v20i.699, Oct. 2022.