Muhammad Khalil Gibran, and Wahdana Salsabila. “The Influence of Financial Literacy and Financial Technology on the Financial Management Behavior of Accounting Community Students of Jakarta Open University”. Al Urwah : Sharia Economics Journal 3, no. 3 (October 26, 2026): 213–225. Accessed November 2, 2026. https://journal.takaza.id/index.php/alurwah/article/view/934.