Aslam, Annisa Paramaswary, Muh. Al Fatah Arief Putra, A Gita Namira Patigana, and Sulfadli Adi Jaya Kesuma. 2024. “From Beliefs To Budgeting: How Locus Of Control And Financial Literacy Influence Financial Planning?”. Jurnal Ilmu Manajemen 14 (1):1-12. https://ojs.um-palembang.ac.id/index.php/JIM/article/view/396.