Fortuna, A., 		Hasan, D., & 		Kurniasari, F.
(2026).
 Determinan Perilaku Gagal Bayar: Model Literasi Keuangan, Niat, dan Sifat Personal  (Determinants of Default Behavior: Financial Literacy Model, Intention, and Personal Traits).
<em>Akuntansi Bisnis & Manajemen ( ABM ), 33</em>(1), 44-60.
doi:10.35606/jabm.v33i1.1706