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Silviana Isyani, T. , Warokka, A. and Gurendrawati, E. 2024. Analysis of Determinants of Propensity to Independence Based on Behavioral Biases, Emotions, Culture, and Materialism Moderated by Religiosity, Financial Literacy and Job Security . International Journal of Social Science, Education, Communication and Economics (SINOMICS JOURNAL). 3, 5 (Dec. 2024), 1473–1510. DOI:https://doi.org/10.54443/sj.v3i5.436.