Giauw, Alfons, Novieanty Pagiling, Vinshen Giauw, Felix Tandreas, Ritchie Djiemesha, and Ian Thomas Sumilat. “The Determinants of Financial Literacy, Consumptive Lifestyle and Parental Support on the Emergency Fund Formations Among University Student in Makassar: English”. Golden Ratio of Finance Management 5, no. 2 (August 29, 2025): 532–548. Accessed May 22, 2026. https://www.goldenratio.id/index.php/grfm/article/view/1420.