Sunarmi, S., Y. Barusman, A. R.P Barusman, D. Defrizal, and Y. Marthalena. “The Role of Financial Behavior, Financial Literacy, and Retirement Planning in Enhancing Lecturers’ Financial Well-Being”. Sharia Economic and Management Business Journal (SEMBJ), Vol. 7, no. 1, Feb. 2026, pp. 476-8, doi:10.62159/sembj.v7i1.2528.