Warning: file_get_contents(https://ojs.journalbusiness.my/ojs.php): failed to open stream: HTTP request failed! HTTP/1.1 404 Not Found in /var/www/ojs.unud.ac.id_backup/lib/pkp/includes/functions.inc.php on line 4 Jamel, S., Bahruddin, M., & Habibi, A. 2020 Mar 3. EFFECTIVENESS FINANCIAL LITERACY TOWARD MAKING DECISION OF CONSUMER BEHAVIOR. Buletin Studi Ekonomi. [Online] :