Rasyid , A., Devina Natasha, A., Serafina Dharmawan, R., Tan, R., & Tjiontara, S. (2026). The Role of Financial Behaviour in Improving Financial Literacy: A Study of Indonesian Students Abroad. International Journal of Management Science and Application, 5(1), 97–107. https://doi.org/10.58291/ijmsa.v5i1.542