Sastri, Gita, and Katiya Nahda. “Analysis of the Influence of Financial Literacy Determinants on Undergraduate Students in Yogyakarta”. International Journal of Management Science and Information Technology 3, no. 2 (August 21, 2023): 185–194. Accessed December 17, 2025. https://journal.lembagakita.org/IJMSIT/article/view/1479.