Naiola, F., & Olivia Latumahina. (2025). Determinasi Perilaku Keuangan Mahasiswa Generasi Z: Peran Hedonisme, Self-Efficacy, dan Locus of Control . Journal Financial, Business and Economics, 3(1), 32–41. https://doi.org/10.57176/jfine.v3i1.36