Rahmadani R, Hariyanto D, Safitri H. The Influence of Financial Knowledge, Financial Experience, and Income on Financial Management Behavior of Civil Servants in Pontianak City . JAMREMS [Internet]. 2024Feb.20 [cited 2026Jul.27];5(1):1-12. Available from: https://amrsjournals.com/index.php/jamrems/article/view/483