Agustin, Grisvia, and Desy Erlanda Pratasari. 2020. “The Effect of Financial Literation on Students’s Personal Financial Planning in Malang (Case Study on Pesantren Luhur Malang and Pesantren Al-Barakah Malang)”. Hasanuddin Economics and Business Review 4 (2):37-43. https://doi.org/10.26487/hebr.v4i2.2382.