DEA AMANDA PUTRI; ERNA SULISTYOWATI; SOFIE YUNIDA PUTRI. The Effect of Objective and Subjective Financial Literacy on Risky Credit Behavior Moderated by Financial Self-efficacy . Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, [S. l.], v. 6, n. 12, p. 7552 –, 2024. DOI: 10.47467/alkharaj.v6i12.4585. Disponível em: https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/4585. Acesso em: 2 jun. 2026.