“Pengaruh Pencatatan Keuangan Pribadi, Disiplin Anggaran, Dan Perilaku Konsumsi Non-Tunai Terhadap Kestabilan Keuangan Pribadi”. Journal of Capital Markets and Banking 14, no. 1 (February 26, 2026): 442–463. Accessed August 11, 2026. https://journal.adlermanurungpress.com/index.php/jpmp/article/view/71.