NUR ISLAMI, Rahmi. The The Impact of Financial Behavior, Socioeconomic Status, and Academic Ability on Financial Literacy Among Students in Northern Kalimantan, Indonesia: The Moderating Role of Gender . Golden Ratio of Finance Management, [S. l.], v. 5, n. 2, p. 297–309, 2025. DOI: 10.52970/grfm.v5i2.1117. Disponível em: https://goldenratio.id/index.php/grfm/article/view/1117. Acesso em: 3 aug. 2026.