Harahap, M. A. A., & Nesneri, Y. (2024). Household Financial Management in Pekanbaru: The Importance of Financial Literacy and Locus of Control. InJBM : Integrated Research Journal of Business and Management, 1(1), 001–023. Retrieved from https://icess.uin-suska.ac.id/index.php/injbm/article/view/98