Muizzuddin, Muizzuddin, Taufik Taufik, Reza Ghasarma, Leonita Putri, and Mohamad Adam. 2017. “Financial Literacy; Strategies and Concepts in Understanding the Financial Planning With Self-EfficacyTheory and Goal SettingTheory of Motivation Approach”. International Journal of Economics and Financial Issues 7 (4):182-88. https://econjournals.com./index.php/ijefi/article/view/4792.