“The Importance of Personal Financial Management Literacy for Overseas Students in Planning Their Budgets”, icie, vol. 1, no. 1, hlm. 1166–1172, Nov 2024, Diakses: 14 September 2026. [Daring]. Tersedia pada: https://proceeding.uingusdur.ac.id/index.php/icie/article/view/1649