Tambun, Sihar, and Andre Manuel. “Peran Preferensi Risiko Dalam Memoderasi Financial Literacy Dan Financial Self-Efficacy Terhadap Perilaku Pengelolaan Keuangan”. Innovative: Journal Of Social Science Research 3, no. 5 (November 11, 2023): 9426–9440. Accessed July 3, 2026. https://j-innovative.org/index.php/Innovative/article/view/5888.