SUHARJANA, H.; KHOUROH, U.; HARMONO, H. When Financial Literacy is Not Enough: Assessing the Mediating Roles of Self-Efficacy and Behavior on Financial Well-being in Malang City. Innovation Business Management and Accounting Journal, [S. l.], v. 5, n. 1, p. 38–47, 2026. DOI: 10.56070/ibmaj.v5i1.341. Disponível em: https://ejournal.trescode.org/index.php/ibmaj/article/view/341. Acesso em: 6 apr. 2026.