Koto, Murviana. “Financial Fragility Dan Financial Behavior Masyarakat Di Masa Pandemi Covid-19”. Jurnal Akuntansi dan Pajak 23, no. 2 (October 24, 2022). Accessed September 25, 2025. https://www.jurnal.stie-aas.ac.id/index.php/jap/article/view/6450.