Salwa Nuraeni, Ningsih, W., & Fitri Syakinah. (2026). Effect of Financial Literacy and Financial Inclusion on Financial Behavior Moderated by Self-Control. Neraca Keuangan : Jurnal Ilmiah Akuntansi Dan Keuangan, 21(1), 13–25. https://doi.org/10.32832/neraca.v21i1.23088 (Original work published April 20, 2026)