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1 1 10 PENGARUH ACADEMIC ABILITY, FINANCIAL EFFICACY, LOCUS OF CONTROL, DAN POCKET MONEY TERHADAP FINANCIAL MANAGEMENT BEHAVIOR Ibnatul Maulidiyah Pengarang mixed material 20250708 Wonosobo Universitas Sains Al-Qur'an 2025 Screenshot_2025-11-18_093316.png.png