Suharjana, H., Khouroh, U. and Harmono, H. (2026) “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, 5(1), pp. 38–47. doi: 10.56070/ibmaj.v5i1.341.