Hikmah, Hikmah, Risca Azmiana, and Muhammad Haldy. 2024. “Analisis Financial Literation, Financial Technology, Locus of Control Terhadap Financial Behavior”. Prosiding Seminar Nasional Ilmu Sosial Dan Teknologi (SNISTEK) 6 (September):413-18. https://ejournal.upbatam.ac.id/index.php/prosiding/article/view/9370.