Items where Author is "WIJAYA, NICHOLAS ALOYSIUS FERDINAND"
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SOEGIANTO, CHIEVO TIMOTHY and KUSUMA, CELVIN JANUAR and WIJAYA, NICHOLAS ALOYSIUS FERDINAND and Anastasia, Njo (2025) Membangun Kesadaran Finansial: Integrasi Literasi Fintech dan Pengendalian Perilaku Konsumtif. [UNSPECIFIED]