Siti Nurjanah, Suparno, Santika Rhealita Immawan, Karsinah, Margunani, Inaya. “Financial Literacy and Social Environment on Saving Behavior”. International Journal of Advanced Science and Technology, Vol. 29, no. 04, June 2020, pp. 3853 -, http://sersc.org/journals/index.php/IJAST/article/view/24551.