Fauzi, Ahmad, Nadiatullah Tsuraya Fauziah, and Sari Rahayu. “The Psychology of Saving : How Mindset Impacts Financial Competence”. Coopetition : Jurnal Ilmiah Manajemen 15, no. 2 (June 27, 2024): 367–376. Accessed July 2, 2024. https://journal.ikopin.ac.id/index.php/coopetition/article/view/4455.