Naiola, F., and Olivia Latumahina. “Determinasi Perilaku Keuangan Mahasiswa Generasi Z: Peran Hedonisme, Self-Efficacy, Dan Locus of Control”. Journal Financial, Business and Economics, vol. 3, no. 1, June 2025, pp. 32-41, doi:10.57176/jfine.v3i1.36.