ASAPA, Andi Rachmat Fiqra; ALAM, Syamsul; ISHAK, I. Financial Literacy as A Moderating Variable in Influencing Individual Income, Cashless Use, and Love of Money on Financial Behavior of STIEM Bongaya Students. Golden Ratio of Auditing Research, [S. l.], v. 6, n. 1, p. 475–489, 2026. DOI: 10.52970/grar.v6i1.1873. Disponível em: https://goldenratio.id/index.php/grar/article/view/1873. Acesso em: 29 apr. 2026.