Nainggolan, R., Christiani, N., & Tungka, N. F. (2021). LEVELS OF FINANCIAL LITERACY IN TERMS OF THE ETHNICITY, GENDER, RELIGION AND LOCUS OF CONTROL OF COLLEGE STUDENTS. International Journal of Economics, Business and Accounting Research (IJEBAR), 5(3), 2723–2733. https://doi.org/10.29040/ijebar.v5i3.3054