Sunarmi, Sunarmi, Y.S. Barusman, Andala R.P Barusman, Defrizal Defrizal, and Yenny Marthalena. “The Role of Financial Behavior, Financial Literacy, and Retirement Planning in Enhancing Lecturers’ Financial Well-Being”. Sharia Economic and Management Business Journal (SEMBJ) 7, no. 1 (February 20, 2026): 476-486. Accessed June 28, 2026. https://siducat.org/index.php/sembj/article/view/2528.