Putu Eva Julianawati, Putu Siti Firmani, Ni Putu Devi Ary Santhi, and I Ketut Sudana. “Personal Financial Management Behavior of Students in Bali”. Journal of Creative Power and Ambition (JCPA) 4, no. 01 (May 1, 2026): 356–367. Accessed September 11, 2026. https://edujavare.com/index.php/jcpa/article/view/1187.