Anggraini Lokku Dapa Teo, Ahmad Mukoffi and Moch Nurhidayat (2026) “The Role of Financial Literacy as a Mediator of The Influence of Financial Knowledge, Financial Attitude, Financial Experience, and Locus of Control on Students’ Personal Financial Management ”, International Journal of Management and Business, 3(1), pp. 50–63. Available at: https://irdhjournals.com/ijmb/article/view/189 (Accessed: 14 May 2026).