Wibowo, D. T., & Rivana, S. D. (2026). The Influence of Financial Literacy and Financial Planning on The Personal Financial Management Behavior (A Case Study of Management Students at Pamulang University). Proceeding of International Conference Technology, Economics, and Social Science, 1(1), 88-93. Retrieved from https://journals.adaresearch.or.id/ictess/article/view/118