Listiyani, R., 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”. Indonesian Journal of Innovation Studies, vol. 20, Oct. 2022, p. 10.21070/ijins.v20i.699, doi:10.21070/ijins.v20i.699.