Susetyo, A., Rahayu, S. R. P., Setiawati, Y., Nurkhalifah, W., & Rafika, S. U. (2025). Financial Savvy vs. Herd Mentality: Navigating Investment Decisions. IBRICS: Journal of Multidisciplinary Study, 1(1), 49–62. Retrieved from http://ibrics.net/index.php/iJMS/article/view/5