BAKER, R.; SAUDI, N. S. M.; ZAHARI, H. M.; MOHAMAD, M. H.; ABD AZIZ, A. A. A.-W.; SALLEHUDIN, H. KESAN LITERASI KEWANGAN TERHADAP KECEKAPAN PENGURUSAN KEWANGAN DALAM KALANGAN PEKERJA DI UNIVERSITI AWAM: THE EFFECT OF FINANCIAL LITERACY ON FINANCIAL MANAGEMENT COMPETENCY AMONG PUBLIC UNIVERSITY EMPLOYEES. INTERNATIONAL JOURNAL OF ENTREPRENEURSHIP AND MANAGEMENT PRACTISES (IJEMP), [S. l.], v. 8, n. 32, p. 164–177, 2025. DOI: 10.35631/IJEMP.832011. Disponível em: https://gaexcellence.com/ijemp/article/view/6588. Acesso em: 13 dec. 2025.