Arif Miftahudin, Lenny Menara Sari Saragih. THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL SELF EFFICACY ON PERSONAL FINANCIAL MANAGEMENT OF UT UPBJJ PONTIANAK STUDENTS. IJSET [Internet]. 2025 Feb. 6 [cited 2025 Apr. 2];4(3):483-9. Available from: http://ijset.org/index.php/ijset/article/view/687