F. Utami and A. Mufidah, “Determinants of Financial Management Behavior among University Students: The Roles of Financial Literacy, Financial Anxiety, and Self-Control”, J. Ekon. Manaj. Bis., vol. 4, no. 3, pp. 1363–1372, Sep. 2026, doi: 10.70716/emis.v4i3.757.