Canda, F., and K. Kartini. “The Effect of Financial Knowledge, Financial Attitude, and Internal Locus of Control on Students’ Responsible Financial Management Behavior in Yogyakarta With Financial Risk Tolerance As a Moderating Variable”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), Vol. 9, no. 2, May 2026, pp. 11770-83, doi:10.31538/iijse.v9i2.9938.