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Heriyati, Pantri, Louis Antonio, and Mohammad Soliman. “Managing Financial Life: Examining the Factors Impacting the Financial Literacy of Indonesian Students Studying Abroad”. Journal of Indonesian Economy and Business 39, no. 2 (May 8, 2024): 174-194. Accessed February 16, 2025. https://dev.journal.ugm.ac.id/v3/jieb/article/view/6856.