Sunarmi, Sunarmi, Y.S. Barusman, Andala R.P Barusman, Defrizal Defrizal, and Yenny Marthalena. 2026. “The Role of Financial Behavior, Financial Literacy, and Retirement Planning in Enhancing Lecturers’ Financial Well-Being”. Sharia Economic and Management Business Journal (SEMBJ) 7 (1), 476-86. https://doi.org/10.62159/sembj.v7i1.2528.