Utami, H.T. et al. 2025. Sharia Financial Inclusion in Moderating the Relationship between Socio-Economic Factors and Personal Financial Management to the Pre-Retirement-Phase. Journal of Management World. 2025, 1 (Jan. 2025), 529–534. DOI:https://doi.org/10.53935/jomw.v2024i4.731.