TAMBUN, Sihar; MANUEL, Andre. Peran Preferensi Risiko Dalam Memoderasi Financial Literacy Dan Financial Self-Efficacy Terhadap Perilaku Pengelolaan Keuangan. Innovative: Journal Of Social Science Research, [S. l.], v. 3, n. 5, p. 9426–9440, 2023. Disponível em: https://j-innovative.org/index.php/Innovative/article/view/5888. Acesso em: 3 jul. 2026.