PENGARUH FINANCIAL LITERACY DAN FINANCIAL BEHAVIOR TERHADAP PERILAKU KONSUMTIF MAHASISWA DAN ALUMNI UK PETRA ASAL KOTA TARAKAN. Prosiding Seminar Nasional Hukum, Bisnis, Sains dan Teknologi, [S. l.], v. 2, n. 1, p. 838, 2025. Disponível em: https://ojs.udb.ac.id/HUBISINTEK/article/view/1463. Acesso em: 21 oct. 2025.