Dewi, Ghina Kemala. “Pengaruh Literasi Keuangan Dan Pemanfaatan Financial Technology Terhadap Perilaku Pengelolaan Keuangan Mahasiswa”. Journal of Management and Economics Research 4, no. 3 (August 31, 2026): 51-61. Accessed October 16, 2026. https://journal.grahamitra.id/index.php/jomer/article/view/411.