Anfas, Anfas, Arifuddin Mas’ud, H. Hendrian, and Julia Safitri. “The Impact of Financial Behavior and FinTech Utilization on Student Retention at Universitas Terbuka Kendari”. Jurnal Ekonomi dan Bisnis Jagaditha 13, no. 1 (March 26, 2026): 66–73. Accessed August 31, 2026. https://ejurnal.warmadewa.ac.id/index.php/jagaditha/article/view/11945.