Cahyani, Rifat, and Abdurrahman. “Sosial Ekonomi, Literasi Keuangan Digital, Inklusi Keuangan Terhadap Perilaku Dan Perencanaan Menabung Di Masa Depan”. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 6, no. 1 (January 4, 2025): 195 –. Accessed May 11, 2026. https://journal-laaroiba.com/ojs/index.php/elmal/article/view/5779.