Muliana, Syamsu Rijal, Ika Wisudawaty, Nurjannah, Andi Caezar To Tadampali. The Effect Of Financial Literacy, Self-Management And Use Of Financial Technology On Financial Readiness Through Self-Competency As An Intervening Variable On Students Of The Faculty Of Economics And Business, State University Of Makassar. IJBQR [Internet]. 2026Jun.16 [cited 2026Oct.13];4(02):828-4. Available from: https://e-journal.citakonsultindo.or.id/index.php/IJBQR/article/view/4432