Dea Amanda Putri, Erna Sulistyowati and Sofie Yunida Putri 2024. The Effect of Objective and Subjective Financial Literacy on Risky Credit Behavior Moderated by Financial Self-efficacy . Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah. 6, 12 (Dec. 2024), 7552 –. DOI:https://doi.org/10.47467/alkharaj.v6i12.4585.