Arvita, D. and Mardiana, M. 2026. THE EFFECT OF FINANCIAL LITERACY ON FINANCIAL MANAGEMENT WITH SELF EFFICACY AS A MEDIATION. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE). 9, 2 (May 2026), 11022-11038. DOI:https://doi.org/10.31538/iijse.v9i2.9744.