Sapta, Andriyan Eka, Samani, Ida Nurhayati, Tutik Dwi Karyanti, and Yanuar Wendy Wardana. “The Influence of Income, Islamic Financial Literacy, and Education on Well-Being through Financial Planning in Semarang”. Moneta : Journal of Economics and Finance 3, no. 3 (July 31, 2025): 199–215. Accessed November 7, 2025. https://journal.idscipub.com/index.php/moneta/article/view/819.