“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), vol. 7, no. 6, July 2026, pp. 909-20, https://doi.org/10.37385/1hsekj09.