Rahmani, Hani Fitria, et al. “Financial Literacy Factors And Financial Attitudes In Influencing Student Financial Behavior”. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), vol. 12, no. 1, Feb. 2026, pp. 83-91, https://doi.org/10.35870/jemsi.v12i1.4364.