Kushardono, Lucky, Muhammad Bayu, Muslimin Muslimin, and Pandef Rudianto. 2025. “The Impact of Digital Literacy, Income, and Financial Literacy on Investment Choices With Financial Behavior As a Mediating Factor Among Healthcare Professionals in Berau Regency”. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 6 (10):5021 -. https://doi.org/10.47467/elmal.v6i10.9992.