Setyawati, Irma, and Sugeng Suroso. “Does the Sharia Personal Financial Management Require? Study of Sharia Financial Literacy Among Lecturers”. International Journal of Economics and Financial Issues, vol. 7, no. 4, Aug. 2017, pp. 411-7, https://econjournals.com./index.php/ijefi/article/view/5086.