Ulhaq, Nada Dhiya, and Elis Mediawati. “How A Locus Of Control, Financial Learning Quality, And Financial Self-Efficacy Affect Financial Management Behavior”. Journal of Education Method and Learning Strategy 2, no. 01 (October 23, 2023): 54–69. Accessed October 19, 2025. https://risetpress.com/index.php/jemls/article/view/316.