?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.aufirst=-&rft.aulast=Mutiara+Nur+Ihsan&rft.au=Mutiara+Nur+Ihsan%2C+-&rft.date=27+August+2025&rft.degree=S1&rft.inst=Universitas+Pendidikan+Indonesia&rft.title=PENGARUH+FINANCIAL+KNOWLEDGE+DAN+FINANCIAL+SELF+EFFICACY+TERHADAP+FINANCIAL+MANAGEMENT+BEHAVIOR+PADA+PELAKU+UMK+DI+DESA+LAMAJANG