“- The Influence of Locus of Control, Academic Ability, and Financial Attude on Student Financial Management Behavior: Locus of Control, Academic Ability, Financial Attitude, Student’s Fiinancial Management Behavior”, Jurnal Proaksi, vol. 12, no. 2, hlm. 315–329, Jun 2025, doi: 10.32534/jpk.v12i2.7179.