Utami HT, Aziz FA, Firdaus DA, Nurfi A. Sharia Financial Inclusion in Moderating the Relationship between Socio-Economic Factors and Personal Financial Management to the Pre-Retirement-Phase. mw [Internet]. 2025 Jan. 14 [cited 2026 Jun. 14];2025(1):529-34. Available from: https://academiainsight.com/index.php/mw/article/view/801