Dewi, E. S. M., and N. L. P. Wiagustini. “The Effect of Financial Education in the Family and Self-Control on Family Financial Management Behavior With Financial Literacy As Moderating: Study on Families in Sikka Regency, East Nusa Tenggara”. International Research Journal of Management, IT and Social Sciences, vol. 12, no. 4, July 2025, pp. 331-49, doi:10.21744/irjmis.v12n4.2545.