FORTUNA, Annisa Afra; 						HASAN, Djohan Gunawan; 						KURNIASARI, Florentina.
 Determinan Perilaku Gagal Bayar: Model Literasi Keuangan, Niat, dan Sifat Personal  (Determinants of Default Behavior: Financial Literacy Model, Intention, and Personal Traits).
<strong>Akuntansi Bisnis &amp; Manajemen ( ABM )</strong>, [S.l.], v. 33, n. 1, p. 44-60, mar. 2026.
ISSN 2685-3965.
Available at: &lt;<a href="https://journal.stie-mce.ac.id/index.php/jabm/article/view/1706" target="_new">https://journal.stie-mce.ac.id/index.php/jabm/article/view/1706</a>&gt;. Date accessed: 10 mar. 2026.
doi: <a href="https://doi.org/10.35606/jabm.v33i1.1706">https://doi.org/10.35606/jabm.v33i1.1706</a>.