Rasyid , Ardiansyah, Antonia Devina Natasha, Ruth Serafina Dharmawan, Richardo Tan, and Stevhen Tjiontara. 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.