M. Sohilauw, R. Rosdiana, A. H. Arifin, N. Nasir, and M. K. Yunus, “Income, Saving Behavior, and Household Financial Decision-Making: A Moderated-Mediation Analysis of Behavioral and Economic Factors in Indonesia”, j. of economics, entrepreneurship, manag. bus. and account., vol. 4, no. 4, pp. 1–22, Jun. 2026.