Hidayah Z, Soleha E. Understanding Debt Dynamics: The Role of Financial Literacy, Income, and Lifestyle with Gender as a Moderating Variable. IIJSE [Internet]. 18Dec.2024 [cited 7Jun.2026];8(1):1240-54. Available from: https://e-journal.uac.ac.id/index.php/iijse/article/view/5969