S, Dheepiga; N, Sivakumar. How Financial Literacy Influences Budgeting, Investment, and Savings Behaviors. International Research Journal of Business Studies, Jakarta, Indonesia, v. 18, n. 1, p. 101–114, 2025. DOI: 10.21632/irjbs.18.1.101-114. Disponível em: https://irjbs.prasetiyamulya.ac.id/index.php/jurnalirjbs/article/view/357. Acesso em: 26 apr. 2025.