Marsya Marru Atus, Shafa Regina Amelia, and Yan Putra Timur. “Financial Responsibility Among Muslim Youth in Surabaya: A Gender-Based Multi-Group Analysis”. SANTRI : Jurnal Ekonomi dan Keuangan Islam 4, no. 4 (August 30, 2026): 189–201. Accessed September 30, 2026. https://journal.areai.or.id/index.php/SANTRI/article/view/2642.