Anggraini Lokku Dapa Teo, Ahmad Mukoffi, and Moch Nurhidayat. “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, no. 1 (January 11, 2026): 50–63. Accessed May 14, 2026. https://irdhjournals.com/ijmb/article/view/189.