Fortuna, Annisa Afra, 		Hasan, Djohan Gunawan, AND 		Kurniasari, Florentina.
" 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], Volume 33 Number 1 (9 March 2026)