HERLINA HERLINA; MARCELLIA SUSAN; MARIA SIENLY VERONICA. Financial Literacy based on Education, Income, Future Time Perspective. International Journal of Economics and Management Research, [S. l.], v. 5, n. 1, p. 204–216, 2026. DOI: 10.55606/ijemr.v5i1.630. Disponível em: https://ijemr.asia/index.php/ijemr/article/view/630. Acesso em: 20 jan. 2026.