ULHAQ, N. D.; MEDIAWATI, E. How A Locus Of Control, Financial Learning Quality, And Financial Self-Efficacy Affect Financial Management Behavior. Journal of Education Method and Learning Strategy, [S. l.], v. 2, n. 01, p. 54–69, 2023. DOI: 10.59653/jemls.v2i01.316. Disponível em: https://risetpress.com/index.php/jemls/article/view/316. Acesso em: 19 oct. 2025.