Septaviana, Putri Setia, and Farahiyah Sartika. “Pengaruh Financial Knowledge, Self Control, Dan Financial Attitude Terhadap Saving Behavior Dengan Financial Self Efficacy Sebagai Variabel Moderasi”. Empiricism Journal 6, no. 2 (June 30, 2025): 659–668. Accessed January 29, 2026. https://journal-center.litpam.com/index.php/empiricism/article/view/2789.