LOUW, F.; GIRIATI, G.; MALINI, H. Financial Literacy and Financial Self-Efficacy as Determinants of Responsible Financial Behavior: The Effect of Fintech Adoption and Financial Stress. Jurnal Ilmiah Manajemen Kesatuan, [S. l.], v. 14, n. 3, p. 2669–2680, 2026. DOI: 10.37641/jimkes.v14i3.5310. Disponível em: https://jurnal.ibik.ac.id/index.php/jimkes/article/view/5310. Acesso em: 5 jun. 2026.