SAADAH, Naili. The effect of financial literacy and financial efficacy on individual financial management. Journal of Islamic Economics Management and Business (JIEMB), [S. l.], v. 2, n. 1, p. 79–94, 2020. DOI: 10.21580/jiemb.2020.2.1.7688. Disponível em: https://journal.walisongo.ac.id/index.php/JIEMB/article/view/7688. Acesso em: 6 aug. 2026.