Arwildayanto, Arwildayanto, Nur Luthfi Ardhian, and Nina Lamatenggo. “Financial Literacy of Higher Education Students: A Study in Rural Gorontalo Province, Indonesia”. Proceeding of International Joint Conference on UNESA 2, no. 2 (June 30, 2025). Accessed July 4, 2025. https://proceeding.unesa.ac.id/index.php/pijcu/article/view/4601.