ENDI, A. C.; FANGGIDAE, R. E.; NDOEN, W. M. The effect of religiosity and spirituality on financial behavior district . Journal of Multidisciplinary Academic and Practice Studies, Indonesia, v. 1, n. 1, p. 45–53, 2023. DOI: 10.35912/jomaps.v1i1.1455. Disponível em: https://goodwoodpub.com/index.php/JoMAPS/article/view/1455. Acesso em: 3 nov. 2025.