SEKARLARAS, Amanda Fortuna Arum; SIREGAR, Hermanto; HASANAH, Nur. Effects of Financial Literacy and Self-Efficacy On Risky Credit Behavior of Gen-Z. Jurnal Aplikasi Bisnis dan Manajemen, [S. l.], v. 11, n. 2, p. 468, 2025. DOI: 10.17358/jabm.11.2.468. Disponível em: https://journal.ipb.ac.id/jabm/article/view/60771. Acesso em: 13 jan. 2026.