Budiasni, N. W. N., & Darmayanti, K. A. (2025). Financial Literacy and Love of Money as Determinants of Gen Z Students’ Personal Financial Management: The Mediating Role of Financial Self-Efficacy. INVEST : Jurnal Inovasi Bisnis Dan Akuntansi, 6(2), 276-283. https://doi.org/10.55583/invest.v6i2.963