MUTIARANI, T. .; AGUSTINA, Y.; PRIBADI, R. M. . Why literacy outperforms accounting in cashless household governance. Journal of Management Science (JMAS), [S. l.], v. 9, n. 3, p. 69–78, 2026. Disponível em: https://exsys.iocspublisher.org/index.php/JMAS/article/view/788. Acesso em: 25 jun. 2026.