ARIF, R. M. .; FRIHATNI, A. A. . Determinants of Financial Behavior among Civil Servants: Evidence from LPP RRI Tarakan (Financial Literacy, Income, and Locus of Control). Owner : Riset dan Jurnal Akuntansi, [S. l.], v. 10, n. 2, p. 1581-1595, 2026. DOI: 10.33395/owner.v10i2.3084. Disponível em: https://owner.polgan.ac.id/index.php/owner/article/view/3084. Acesso em: 1 may. 2026.