Riyani, D., Rosady, F., & Hendarti, Y. (2025). PERSONAL FINANCIAL MANAGEMENT IN THE DIGITAL ECONOMY ERA: FINANCIAL KNOWLEDGE, FINANCIAL BEHAVIOR AND FINANCIAL QUOTIENT . International Conference On Economics Business Management And Accounting (ICOEMA), 4(1), 785-794. Retrieved from https://conference.untag-sby.ac.id/index.php/icoema/article/view/5654