Lestari, Emi, Nonni Yap, and Choiri Choiri. 2025. “Financial Attitude and Locus of Control Toward Financial Management Practices”. International Conference On Economics Business Management And Accounting (ICOEMA) 4 (1):439-48. https://conference.untag-sby.ac.id/index.php/icoema/article/view/5611.