Tumanggor, Arief Hidayat, Muhammad Salman, Reza Febrian, and Sugianto Sugianto. “Determinants of Muslim Family Financial Planning”. International Journal Of Economics Social And Technology (IJEST) 1, no. 3 (September 1, 2022): 108–120. Accessed October 20, 2025. https://jurnal.risetilmiah.ac.id/index.php/ijest/article/view/143.