Silviana Isyani, T. ., Warokka, A. ., & 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), 1473–1510. https://doi.org/10.54443/sj.v3i5.436