Nur Aeni, Ida, Anna Kania Widiatami, Ratieh Widhiastuti, Nurdian Susilowati, and Septa Perdana. 2024. “Determinants of Personal Financial Management Behavior: Moderating Role of Financial Literacy”. KnE Social Sciences 9 (4), 208–222. https://doi.org/10.18502/kss.v9i4.15070.