Fortuna, Annisa Afra, Djohan Gunawan Hasan, & Florentina Kurniasari.
" 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 &amp; Manajemen ( ABM )</em> [Online], 33.1 (2026): 44-60. Web. 10 Mar. 2026