Pengaruh Financial Literacy, Locus Of Control, Dan Financial Self-Efficacy Terhadap Personal Financial Distress Pada Mahasiswa Universitas Pendidikan Ganesha. Management Studies and Entrepreneurship Journal (MSEJ), [S. l.], v. 7, n. 6, p. 909–920, 2026. DOI: 10.37385/1hsekj09. Disponível em: https://journal.yrpipku.com/index.php/msej/article/view/11661. Acesso em: 12 jul. 2026.