id	sid	tid	token	lemma	pos
easat-9223	1	1	edelweiss	edelweiss	PROPN
easat-9223	1	2	applied	apply	VERB
easat-9223	1	3	science	science	NOUN
easat-9223	1	4	and	and	CCONJ
easat-9223	1	5	technology	technology	NOUN
easat-9223	1	6	issn	issn	PROPN
easat-9223	1	7	:	:	PUNCT
easat-9223	1	8	2576	2576	NUM
easat-9223	1	9	-	-	SYM
easat-9223	1	10	8484	8484	NUM
easat-9223	1	11	vol	vol	NOUN
easat-9223	1	12	.	.	PROPN
easat-9223	2	1	9	9	NUM
easat-9223	2	2	,	,	PUNCT
easat-9223	2	3	no	no	INTJ
easat-9223	2	4	.	.	NOUN
easat-9223	2	5	8	8	NUM
easat-9223	2	6	,	,	PUNCT
easat-9223	2	7	95	95	NUM
easat-9223	2	8	-	-	SYM
easat-9223	2	9	112	112	NUM
easat-9223	2	10	2025	2025	NUM
easat-9223	2	11	publisher	publisher	NOUN
easat-9223	2	12	:	:	PUNCT
easat-9223	2	13	learning	learn	VERB
easat-9223	2	14	gate	gate	NOUN
easat-9223	2	15	doi	doi	PROPN
easat-9223	2	16	:	:	PUNCT
easat-9223	2	17	10.55214/2576	10.55214/2576	NUM
easat-9223	2	18	-	-	PUNCT
easat-9223	2	19	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	2	20	©	©	PROPN
easat-9223	2	21	2025	2025	NUM
easat-9223	2	22	by	by	ADP
easat-9223	2	23	the	the	DET
easat-9223	2	24	authors	author	NOUN
easat-9223	2	25	;	;	PUNCT
easat-9223	2	26	licensee	licensee	PROPN
easat-9223	2	27	learning	learning	NOUN
easat-9223	2	28	gate	gate	NOUN
easat-9223	3	1	©	©	PROPN
easat-9223	3	2	2025	2025	NUM
easat-9223	3	3	by	by	ADP
easat-9223	3	4	the	the	DET
easat-9223	3	5	authors	author	NOUN
easat-9223	3	6	;	;	PUNCT
easat-9223	3	7	licensee	licensee	PROPN
easat-9223	3	8	learning	learning	NOUN
easat-9223	3	9	gate	gate	NOUN
easat-9223	3	10	history	history	NOUN
easat-9223	3	11	:	:	PUNCT
easat-9223	3	12	received	receive	VERB
easat-9223	3	13	:	:	PUNCT
easat-9223	3	14	3	3	NUM
easat-9223	3	15	june	june	PROPN
easat-9223	3	16	2025	2025	NUM
easat-9223	3	17	;	;	PUNCT
easat-9223	3	18	revised	revise	VERB
easat-9223	3	19	:	:	PUNCT
easat-9223	3	20	24	24	NUM
easat-9223	3	21	june	june	PROPN
easat-9223	3	22	2025	2025	NUM
easat-9223	3	23	;	;	PUNCT
easat-9223	3	24	accepted	accept	VERB
easat-9223	3	25	:	:	PUNCT
easat-9223	3	26	1	1	NUM
easat-9223	3	27	july	july	NOUN
easat-9223	3	28	2025	2025	NUM
easat-9223	3	29	;	;	PUNCT
easat-9223	3	30	published	publish	VERB
easat-9223	3	31	:	:	PUNCT
easat-9223	3	32	2	2	NUM
easat-9223	3	33	august	august	PROPN
easat-9223	3	34	2025	2025	NUM
easat-9223	3	35	*	*	PUNCT
easat-9223	3	36	correspondence	correspondence	NOUN
easat-9223	3	37	:	:	PUNCT
easat-9223	3	38	keisha.veneya@binus.ac.id	keisha.veneya@binus.ac.id	PUNCT
easat-9223	3	39	the	the	DET
easat-9223	3	40	influence	influence	NOUN
easat-9223	3	41	of	of	ADP
easat-9223	3	42	financial	financial	ADJ
easat-9223	3	43	literacy	literacy	NOUN
easat-9223	3	44	,	,	PUNCT
easat-9223	3	45	financial	financial	ADJ
easat-9223	3	46	attitude	attitude	NOUN
easat-9223	3	47	,	,	PUNCT
easat-9223	3	48	and	and	CCONJ
easat-9223	3	49	lifestyle	lifestyle	NOUN
easat-9223	3	50	on	on	ADP
easat-9223	3	51	financial	financial	ADJ
easat-9223	3	52	management	management	NOUN
easat-9223	3	53	behavior	behavior	NOUN
easat-9223	3	54	in	in	ADP
easat-9223	3	55	paylater	paylater	NOUN
easat-9223	3	56	usage	usage	NOUN
easat-9223	3	57	among	among	ADP
easat-9223	3	58	generation	generation	NOUN
easat-9223	3	59	z	z	NOUN
easat-9223	3	60	:	:	PUNCT
easat-9223	3	61	the	the	DET
easat-9223	3	62	moderating	moderate	VERB
easat-9223	3	63	role	role	NOUN
easat-9223	3	64	of	of	ADP
easat-9223	3	65	locus	locus	NOUN
easat-9223	3	66	of	of	ADP
easat-9223	3	67	control	control	NOUN
easat-9223	3	68	keisha	keisha	PROPN
easat-9223	3	69	veneya1	veneya1	PROPN
easat-9223	3	70	*	*	PROPN
easat-9223	3	71	,	,	PUNCT
easat-9223	3	72	visca	visca	PROPN
easat-9223	3	73	aretha	aretha	PROPN
easat-9223	3	74	dehandri2	dehandri2	PROPN
easat-9223	3	75	,	,	PUNCT
easat-9223	3	76	lidiyawati3	lidiyawati3	PROPN
easat-9223	3	77	1,2,3accounting	1,2,3accounting	NUM
easat-9223	3	78	department	department	NOUN
easat-9223	3	79	,	,	PUNCT
easat-9223	3	80	school	school	NOUN
easat-9223	3	81	of	of	ADP
easat-9223	3	82	accounting	accounting	PROPN
easat-9223	3	83	,	,	PUNCT
easat-9223	3	84	bina	bina	PROPN
easat-9223	3	85	nunsatara	nunsatara	PROPN
easat-9223	3	86	university	university	PROPN
easat-9223	3	87	,	,	PUNCT
easat-9223	3	88	tangerang	tangerang	PROPN
easat-9223	3	89	,	,	PUNCT
easat-9223	3	90	indonesia	indonesia	PROPN
easat-9223	3	91	;	;	PUNCT
easat-9223	3	92	keisha.veneya@binus.ac.id	keisha.veneya@binus.ac.id	PUNCT
easat-9223	3	93	(	(	PUNCT
easat-9223	3	94	k.v	k.v	NOUN
easat-9223	3	95	.	.	PUNCT
easat-9223	3	96	)	)	PUNCT
easat-9223	3	97	visca.dehandri@binus.ac.id	visca.dehandri@binus.ac.id	PUNCT
easat-9223	3	98	(	(	PUNCT
easat-9223	3	99	v.a.d	v.a.d	NOUN
easat-9223	3	100	.	.	PUNCT
easat-9223	3	101	)	)	PUNCT
easat-9223	4	1	lidiyawati@binus.ac.id	lidiyawati@binus.ac.id	NOUN
easat-9223	4	2	(	(	PUNCT
easat-9223	4	3	l.	l.	NOUN
easat-9223	4	4	)	)	PUNCT
easat-9223	4	5	abstract	abstract	NOUN
easat-9223	4	6	:	:	PUNCT
easat-9223	4	7	using	use	VERB
easat-9223	4	8	locus	locus	NOUN
easat-9223	4	9	of	of	ADP
easat-9223	4	10	control	control	NOUN
easat-9223	4	11	as	as	ADP
easat-9223	4	12	a	a	DET
easat-9223	4	13	moderating	moderate	VERB
easat-9223	4	14	variable	variable	NOUN
easat-9223	4	15	,	,	PUNCT
easat-9223	4	16	this	this	DET
easat-9223	4	17	study	study	NOUN
easat-9223	4	18	investigates	investigate	VERB
easat-9223	4	19	the	the	DET
easat-9223	4	20	influence	influence	NOUN
easat-9223	4	21	of	of	ADP
easat-9223	4	22	financial	financial	ADJ
easat-9223	4	23	literacy	literacy	NOUN
easat-9223	4	24	,	,	PUNCT
easat-9223	4	25	financial	financial	ADJ
easat-9223	4	26	attitudes	attitude	NOUN
easat-9223	4	27	,	,	PUNCT
easat-9223	4	28	and	and	CCONJ
easat-9223	4	29	lifestyle	lifestyle	NOUN
easat-9223	4	30	on	on	ADP
easat-9223	4	31	financial	financial	ADJ
easat-9223	4	32	management	management	NOUN
easat-9223	4	33	behavior	behavior	NOUN
easat-9223	4	34	among	among	ADP
easat-9223	4	35	generation	generation	NOUN
easat-9223	4	36	z	z	NOUN
easat-9223	4	37	paylater	paylater	NOUN
easat-9223	4	38	users	user	NOUN
easat-9223	4	39	in	in	ADP
easat-9223	4	40	indonesia	indonesia	PROPN
easat-9223	4	41	.	.	PUNCT
easat-9223	5	1	a	a	DET
easat-9223	5	2	purposive	purposive	ADJ
easat-9223	5	3	sampling	sampling	NOUN
easat-9223	5	4	method	method	NOUN
easat-9223	5	5	collected	collect	VERB
easat-9223	5	6	400	400	NUM
easat-9223	5	7	valid	valid	ADJ
easat-9223	5	8	responses	response	NOUN
easat-9223	5	9	through	through	ADP
easat-9223	5	10	an	an	DET
easat-9223	5	11	online	online	ADJ
easat-9223	5	12	survey	survey	NOUN
easat-9223	5	13	using	use	VERB
easat-9223	5	14	a	a	DET
easat-9223	5	15	5	5	NUM
easat-9223	5	16	-	-	PUNCT
easat-9223	5	17	point	point	NOUN
easat-9223	5	18	likert	likert	ADJ
easat-9223	5	19	scale	scale	NOUN
easat-9223	5	20	.	.	PUNCT
easat-9223	6	1	data	datum	NOUN
easat-9223	6	2	were	be	AUX
easat-9223	6	3	analyzed	analyze	VERB
easat-9223	6	4	using	use	VERB
easat-9223	6	5	spss	spss	PROPN
easat-9223	6	6	version	version	NOUN
easat-9223	6	7	26	26	NUM
easat-9223	6	8	with	with	ADP
easat-9223	6	9	multiple	multiple	ADJ
easat-9223	6	10	linear	linear	ADJ
easat-9223	6	11	regression	regression	NOUN
easat-9223	6	12	.	.	PUNCT
easat-9223	7	1	results	result	NOUN
easat-9223	7	2	show	show	VERB
easat-9223	7	3	that	that	SCONJ
easat-9223	7	4	financial	financial	ADJ
easat-9223	7	5	literacy	literacy	NOUN
easat-9223	7	6	,	,	PUNCT
easat-9223	7	7	financial	financial	ADJ
easat-9223	7	8	attitudes	attitude	NOUN
easat-9223	7	9	,	,	PUNCT
easat-9223	7	10	and	and	CCONJ
easat-9223	7	11	lifestyle	lifestyle	NOUN
easat-9223	7	12	significantly	significantly	ADV
easat-9223	7	13	affect	affect	VERB
easat-9223	7	14	financial	financial	ADJ
easat-9223	7	15	management	management	NOUN
easat-9223	7	16	behavior	behavior	NOUN
easat-9223	7	17	.	.	PUNCT
easat-9223	8	1	however	however	ADV
easat-9223	8	2	,	,	PUNCT
easat-9223	8	3	the	the	DET
easat-9223	8	4	moderating	moderate	VERB
easat-9223	8	5	role	role	NOUN
easat-9223	8	6	of	of	ADP
easat-9223	8	7	locus	locus	NOUN
easat-9223	8	8	of	of	ADP
easat-9223	8	9	control	control	NOUN
easat-9223	8	10	varies	varie	NOUN
easat-9223	8	11	.	.	PUNCT
easat-9223	9	1	it	it	PRON
easat-9223	9	2	does	do	AUX
easat-9223	9	3	not	not	PART
easat-9223	9	4	influence	influence	VERB
easat-9223	9	5	the	the	DET
easat-9223	9	6	relationship	relationship	NOUN
easat-9223	9	7	between	between	ADP
easat-9223	9	8	financial	financial	ADJ
easat-9223	9	9	literacy	literacy	NOUN
easat-9223	9	10	and	and	CCONJ
easat-9223	9	11	financial	financial	ADJ
easat-9223	9	12	management	management	NOUN
easat-9223	9	13	behavior	behavior	NOUN
easat-9223	9	14	but	but	CCONJ
easat-9223	9	15	weakens	weaken	VERB
easat-9223	9	16	the	the	DET
easat-9223	9	17	association	association	NOUN
easat-9223	9	18	between	between	ADP
easat-9223	9	19	financial	financial	ADJ
easat-9223	9	20	management	management	NOUN
easat-9223	9	21	behavior	behavior	NOUN
easat-9223	9	22	and	and	CCONJ
easat-9223	9	23	both	both	CCONJ
easat-9223	9	24	lifestyle	lifestyle	NOUN
easat-9223	9	25	and	and	CCONJ
easat-9223	9	26	financial	financial	ADJ
easat-9223	9	27	attitudes	attitude	NOUN
easat-9223	9	28	.	.	PUNCT
easat-9223	10	1	a	a	DET
easat-9223	10	2	strong	strong	ADJ
easat-9223	10	3	internal	internal	ADJ
easat-9223	10	4	locus	locus	NOUN
easat-9223	10	5	of	of	ADP
easat-9223	10	6	control	control	NOUN
easat-9223	10	7	may	may	AUX
easat-9223	10	8	reduce	reduce	VERB
easat-9223	10	9	the	the	DET
easat-9223	10	10	impact	impact	NOUN
easat-9223	10	11	of	of	ADP
easat-9223	10	12	lifestyle	lifestyle	NOUN
easat-9223	10	13	choices	choice	NOUN
easat-9223	10	14	and	and	CCONJ
easat-9223	10	15	attitudes	attitude	NOUN
easat-9223	10	16	.	.	PUNCT
easat-9223	11	1	these	these	DET
easat-9223	11	2	findings	finding	NOUN
easat-9223	11	3	highlight	highlight	VERB
easat-9223	11	4	the	the	DET
easat-9223	11	5	importance	importance	NOUN
easat-9223	11	6	of	of	ADP
easat-9223	11	7	promoting	promote	VERB
easat-9223	11	8	financial	financial	ADJ
easat-9223	11	9	literacy	literacy	NOUN
easat-9223	11	10	and	and	CCONJ
easat-9223	11	11	responsible	responsible	ADJ
easat-9223	11	12	attitudes	attitude	NOUN
easat-9223	11	13	to	to	PART
easat-9223	11	14	improve	improve	VERB
easat-9223	11	15	financial	financial	ADJ
easat-9223	11	16	behavior	behavior	NOUN
easat-9223	11	17	,	,	PUNCT
easat-9223	11	18	particularly	particularly	ADV
easat-9223	11	19	amid	amid	ADP
easat-9223	11	20	the	the	DET
easat-9223	11	21	growing	grow	VERB
easat-9223	11	22	use	use	NOUN
easat-9223	11	23	of	of	ADP
easat-9223	11	24	paylater	paylater	NOUN
easat-9223	11	25	services	service	NOUN
easat-9223	11	26	.	.	PUNCT
easat-9223	12	1	financial	financial	ADJ
easat-9223	12	2	service	service	NOUN
easat-9223	12	3	providers	provider	NOUN
easat-9223	12	4	and	and	CCONJ
easat-9223	12	5	regulators	regulator	NOUN
easat-9223	12	6	are	be	AUX
easat-9223	12	7	encouraged	encourage	VERB
easat-9223	12	8	to	to	PART
easat-9223	12	9	strengthen	strengthen	VERB
easat-9223	12	10	financial	financial	ADJ
easat-9223	12	11	education	education	NOUN
easat-9223	12	12	and	and	CCONJ
easat-9223	12	13	apply	apply	VERB
easat-9223	12	14	stricter	strict	ADJ
easat-9223	12	15	credit	credit	NOUN
easat-9223	12	16	eligibility	eligibility	NOUN
easat-9223	12	17	criteria	criterion	NOUN
easat-9223	12	18	to	to	PART
easat-9223	12	19	foster	foster	VERB
easat-9223	12	20	responsible	responsible	ADJ
easat-9223	12	21	borrowing	borrowing	NOUN
easat-9223	12	22	among	among	ADP
easat-9223	12	23	youth	youth	NOUN
easat-9223	12	24	.	.	PUNCT
easat-9223	13	1	further	further	ADJ
easat-9223	13	2	research	research	NOUN
easat-9223	13	3	should	should	AUX
easat-9223	13	4	include	include	VERB
easat-9223	13	5	more	more	ADJ
easat-9223	13	6	behavioral	behavioral	ADJ
easat-9223	13	7	variables	variable	NOUN
easat-9223	13	8	and	and	CCONJ
easat-9223	13	9	diverse	diverse	VERB
easat-9223	13	10	demographic	demographic	ADJ
easat-9223	13	11	groups	group	NOUN
easat-9223	13	12	.	.	PUNCT
easat-9223	14	1	keywords	keyword	NOUN
easat-9223	14	2	:	:	PUNCT
easat-9223	14	3	financial	financial	ADJ
easat-9223	14	4	attitude	attitude	NOUN
easat-9223	14	5	,	,	PUNCT
easat-9223	14	6	financial	financial	ADJ
easat-9223	14	7	literacy	literacy	NOUN
easat-9223	14	8	,	,	PUNCT
easat-9223	14	9	financial	financial	ADJ
easat-9223	14	10	management	management	NOUN
easat-9223	14	11	behavior	behavior	NOUN
easat-9223	14	12	,	,	PUNCT
easat-9223	14	13	lifestyle	lifestyle	NOUN
easat-9223	14	14	,	,	PUNCT
easat-9223	14	15	paylater	paylater	NOUN
easat-9223	14	16	.	.	PUNCT
easat-9223	15	1	1	1	X
easat-9223	15	2	.	.	X
easat-9223	15	3	introduction	introduction	NOUN
easat-9223	15	4	the	the	DET
easat-9223	15	5	way	way	NOUN
easat-9223	15	6	people	people	NOUN
easat-9223	15	7	,	,	PUNCT
easat-9223	15	8	especially	especially	ADV
easat-9223	15	9	members	member	NOUN
easat-9223	15	10	of	of	ADP
easat-9223	15	11	generation	generation	NOUN
easat-9223	15	12	z	z	NOUN
easat-9223	15	13	,	,	PUNCT
easat-9223	15	14	manage	manage	VERB
easat-9223	15	15	their	their	PRON
easat-9223	15	16	personal	personal	ADJ
easat-9223	15	17	finances	finance	NOUN
easat-9223	15	18	has	have	AUX
easat-9223	15	19	been	be	AUX
easat-9223	15	20	significantly	significantly	ADV
easat-9223	15	21	changed	change	VERB
easat-9223	15	22	by	by	ADP
easat-9223	15	23	the	the	DET
easat-9223	15	24	rapid	rapid	ADJ
easat-9223	15	25	development	development	NOUN
easat-9223	15	26	of	of	ADP
easat-9223	15	27	financial	financial	ADJ
easat-9223	15	28	technology	technology	NOUN
easat-9223	15	29	.	.	PUNCT
easat-9223	16	1	buy	buy	VERB
easat-9223	16	2	now	now	ADV
easat-9223	16	3	pay	pay	VERB
easat-9223	16	4	later	later	ADV
easat-9223	16	5	(	(	PUNCT
easat-9223	16	6	bnpl	bnpl	NOUN
easat-9223	16	7	)	)	PUNCT
easat-9223	16	8	is	be	AUX
easat-9223	16	9	a	a	DET
easat-9223	16	10	popular	popular	ADJ
easat-9223	16	11	innovation	innovation	NOUN
easat-9223	16	12	in	in	ADP
easat-9223	16	13	financial	financial	ADJ
easat-9223	16	14	technology	technology	NOUN
easat-9223	16	15	that	that	PRON
easat-9223	16	16	allows	allow	VERB
easat-9223	16	17	consumers	consumer	NOUN
easat-9223	16	18	to	to	PART
easat-9223	16	19	acquire	acquire	VERB
easat-9223	16	20	goods	good	NOUN
easat-9223	16	21	immediately	immediately	ADV
easat-9223	16	22	and	and	CCONJ
easat-9223	16	23	postpone	postpone	VERB
easat-9223	16	24	the	the	DET
easat-9223	16	25	payment	payment	NOUN
easat-9223	16	26	to	to	ADP
easat-9223	16	27	a	a	DET
easat-9223	16	28	future	future	ADJ
easat-9223	16	29	date	date	NOUN
easat-9223	16	30	[	[	X
easat-9223	16	31	1	1	NUM
easat-9223	16	32	]	]	PUNCT
easat-9223	16	33	.	.	PUNCT
easat-9223	17	1	this	this	DET
easat-9223	17	2	trend	trend	NOUN
easat-9223	17	3	is	be	AUX
easat-9223	17	4	highly	highly	ADV
easat-9223	17	5	prevalent	prevalent	ADJ
easat-9223	17	6	in	in	ADP
easat-9223	17	7	indonesia	indonesia	PROPN
easat-9223	17	8	and	and	CCONJ
easat-9223	17	9	has	have	AUX
easat-9223	17	10	drawn	draw	VERB
easat-9223	17	11	the	the	DET
easat-9223	17	12	attention	attention	NOUN
easat-9223	17	13	of	of	ADP
easat-9223	17	14	the	the	DET
easat-9223	17	15	otoritas	otorita	NOUN
easat-9223	17	16	jasa	jasa	PROPN
easat-9223	17	17	keuangan	keuangan	VERB
easat-9223	18	1	[	[	X
easat-9223	18	2	2	2	X
easat-9223	18	3	]	]	PUNCT
easat-9223	18	4	as	as	SCONJ
easat-9223	18	5	the	the	DET
easat-9223	18	6	value	value	NOUN
easat-9223	18	7	of	of	ADP
easat-9223	18	8	paylater	paylater	NOUN
easat-9223	18	9	transactions	transaction	NOUN
easat-9223	18	10	reached	reach	VERB
easat-9223	18	11	idr	idr	PROPN
easat-9223	18	12	21.77	21.77	NUM
easat-9223	18	13	trillion	trillion	NUM
easat-9223	18	14	as	as	ADP
easat-9223	18	15	of	of	ADP
easat-9223	18	16	november	november	PROPN
easat-9223	18	17	2024	2024	NUM
easat-9223	19	1	[	[	X
easat-9223	19	2	2	2	NUM
easat-9223	19	3	]	]	PUNCT
easat-9223	19	4	.	.	PUNCT
easat-9223	20	1	however	however	ADV
easat-9223	20	2	,	,	PUNCT
easat-9223	20	3	behind	behind	ADP
easat-9223	20	4	the	the	DET
easat-9223	20	5	convenience	convenience	NOUN
easat-9223	20	6	and	and	CCONJ
easat-9223	20	7	flexibility	flexibility	NOUN
easat-9223	20	8	offered	offer	VERB
easat-9223	20	9	,	,	PUNCT
easat-9223	20	10	the	the	DET
easat-9223	20	11	use	use	NOUN
easat-9223	20	12	of	of	ADP
easat-9223	20	13	paylater	paylater	NOUN
easat-9223	20	14	also	also	ADV
easat-9223	20	15	presents	present	VERB
easat-9223	20	16	substantial	substantial	ADJ
easat-9223	20	17	financial	financial	ADJ
easat-9223	20	18	risks	risk	NOUN
easat-9223	20	19	,	,	PUNCT
easat-9223	20	20	especially	especially	ADV
easat-9223	20	21	for	for	ADP
easat-9223	20	22	generation	generation	NOUN
easat-9223	20	23	z	z	NOUN
easat-9223	20	24	,	,	PUNCT
easat-9223	20	25	who	who	PRON
easat-9223	20	26	typically	typically	ADV
easat-9223	20	27	have	have	VERB
easat-9223	20	28	limited	limited	ADJ
easat-9223	20	29	experience	experience	NOUN
easat-9223	20	30	in	in	ADP
easat-9223	20	31	financial	financial	ADJ
easat-9223	20	32	management	management	NOUN
easat-9223	20	33	.	.	PUNCT
easat-9223	21	1	the	the	DET
easat-9223	21	2	rising	rise	VERB
easat-9223	21	3	delinquency	delinquency	NOUN
easat-9223	21	4	rate	rate	NOUN
easat-9223	21	5	among	among	ADP
easat-9223	21	6	young	young	ADJ
easat-9223	21	7	paylater	paylater	NOUN
easat-9223	21	8	users	user	NOUN
easat-9223	21	9	has	have	AUX
easat-9223	21	10	resulted	result	VERB
easat-9223	21	11	in	in	ADP
easat-9223	21	12	difficulties	difficulty	NOUN
easat-9223	21	13	such	such	ADJ
easat-9223	21	14	as	as	ADP
easat-9223	21	15	challenges	challenge	NOUN
easat-9223	21	16	in	in	ADP
easat-9223	21	17	obtaining	obtain	VERB
easat-9223	21	18	loans	loan	NOUN
easat-9223	21	19	,	,	PUNCT
easat-9223	21	20	securing	secure	VERB
easat-9223	21	21	employment	employment	NOUN
easat-9223	21	22	,	,	PUNCT
easat-9223	21	23	and	and	CCONJ
easat-9223	21	24	even	even	ADV
easat-9223	21	25	accessing	access	VERB
easat-9223	21	26	scholarships	scholarship	NOUN
easat-9223	21	27	[	[	X
easat-9223	21	28	3	3	NUM
easat-9223	21	29	]	]	PUNCT
easat-9223	21	30	.	.	PUNCT
easat-9223	22	1	this	this	DET
easat-9223	22	2	scenario	scenario	NOUN
easat-9223	22	3	illustrates	illustrate	VERB
easat-9223	22	4	underlying	underlying	ADJ
easat-9223	22	5	problems	problem	NOUN
easat-9223	22	6	in	in	ADP
easat-9223	22	7	financial	financial	ADJ
easat-9223	22	8	management	management	NOUN
easat-9223	22	9	behavior	behavior	NOUN
easat-9223	22	10	and	and	CCONJ
easat-9223	22	11	financial	financial	ADJ
easat-9223	22	12	decision	decision	NOUN
easat-9223	22	13	-	-	PUNCT
easat-9223	22	14	making	making	NOUN
easat-9223	22	15	among	among	ADP
easat-9223	22	16	young	young	ADJ
easat-9223	22	17	individuals	individual	NOUN
easat-9223	22	18	.	.	PUNCT
easat-9223	23	1	a	a	DET
easat-9223	23	2	person	person	NOUN
easat-9223	23	3	's	's	PART
easat-9223	23	4	approach	approach	NOUN
easat-9223	23	5	to	to	ADP
easat-9223	23	6	financial	financial	ADJ
easat-9223	23	7	management	management	NOUN
easat-9223	23	8	includes	include	VERB
easat-9223	23	9	various	various	ADJ
easat-9223	23	10	activities	activity	NOUN
easat-9223	23	11	,	,	PUNCT
easat-9223	23	12	such	such	ADJ
easat-9223	23	13	as	as	ADP
easat-9223	23	14	developing	develop	VERB
easat-9223	23	15	and	and	CCONJ
easat-9223	23	16	adhering	adhere	VERB
easat-9223	23	17	to	to	ADP
easat-9223	23	18	a	a	DET
easat-9223	23	19	budget	budget	NOUN
easat-9223	23	20	,	,	PUNCT
easat-9223	23	21	performing	perform	VERB
easat-9223	23	22	audits	audits	NOUN
easat-9223	23	23	,	,	PUNCT
easat-9223	23	24	strategizing	strategizing	NOUN
easat-9223	23	25	,	,	PUNCT
easat-9223	23	26	overseeing	overseeing	NOUN
easat-9223	23	27	and	and	CCONJ
easat-9223	23	28	regulating	regulate	VERB
easat-9223	23	29	expenditures	expenditure	NOUN
easat-9223	23	30	,	,	PUNCT
easat-9223	23	31	as	as	ADV
easat-9223	23	32	well	well	ADV
easat-9223	23	33	as	as	ADP
easat-9223	23	34	saving	save	VERB
easat-9223	23	35	and	and	CCONJ
easat-9223	23	36	investing	invest	VERB
easat-9223	23	37	money	money	NOUN
easat-9223	23	38	regularly	regularly	ADV
easat-9223	23	39	[	[	X
easat-9223	23	40	4	4	NUM
easat-9223	23	41	]	]	PUNCT
easat-9223	23	42	.	.	PUNCT
easat-9223	24	1	financial	financial	ADJ
easat-9223	24	2	management	management	NOUN
easat-9223	24	3	behavior	behavior	NOUN
easat-9223	24	4	functions	function	NOUN
easat-9223	24	5	as	as	ADP
easat-9223	24	6	a	a	DET
easat-9223	24	7	process	process	NOUN
easat-9223	24	8	that	that	PRON
easat-9223	24	9	shapes	shape	VERB
easat-9223	24	10	one	one	NUM
easat-9223	24	11	’s	’s	PART
easat-9223	24	12	financial	financial	ADJ
easat-9223	24	13	character	character	NOUN
easat-9223	24	14	,	,	PUNCT
easat-9223	24	15	reflected	reflect	VERB
easat-9223	24	16	in	in	ADP
easat-9223	24	17	how	how	SCONJ
easat-9223	24	18	individuals	individual	NOUN
easat-9223	24	19	manage	manage	VERB
easat-9223	24	20	their	their	PRON
easat-9223	24	21	personal	personal	ADJ
easat-9223	24	22	finances	finance	NOUN
easat-9223	24	23	and	and	CCONJ
easat-9223	24	24	control	control	VERB
easat-9223	24	25	their	their	PRON
easat-9223	24	26	use	use	NOUN
easat-9223	24	27	of	of	ADP
easat-9223	24	28	money	money	NOUN
easat-9223	24	29	through	through	ADP
easat-9223	24	30	planning	plan	VERB
easat-9223	24	31	[	[	X
easat-9223	24	32	5	5	NUM
easat-9223	24	33	]	]	PUNCT
easat-9223	24	34	.	.	PUNCT
easat-9223	25	1	https://orcid.org/0009-0002-7701-7348	https://orcid.org/0009-0002-7701-7348	VERB
easat-9223	25	2	https://orcid.org/0009-0006-3424-4187	https://orcid.org/0009-0006-3424-4187	PROPN
easat-9223	25	3	https://orcid.org/0009-0004-2811-3477	https://orcid.org/0009-0004-2811-3477	PROPN
easat-9223	25	4	96	96	NUM
easat-9223	25	5	edelweiss	edelweiss	PROPN
easat-9223	25	6	applied	apply	VERB
easat-9223	25	7	science	science	NOUN
easat-9223	25	8	and	and	CCONJ
easat-9223	25	9	technology	technology	NOUN
easat-9223	25	10	issn	issn	PROPN
easat-9223	25	11	:	:	PUNCT
easat-9223	25	12	2576	2576	NUM
easat-9223	25	13	-	-	SYM
easat-9223	25	14	8484	8484	NUM
easat-9223	25	15	vol	vol	NOUN
easat-9223	25	16	.	.	PROPN
easat-9223	26	1	9	9	NUM
easat-9223	26	2	,	,	PUNCT
easat-9223	26	3	no	no	INTJ
easat-9223	26	4	.	.	NOUN
easat-9223	26	5	8	8	NUM
easat-9223	26	6	:	:	SYM
easat-9223	26	7	95	95	NUM
easat-9223	26	8	-	-	SYM
easat-9223	26	9	112	112	NUM
easat-9223	26	10	,	,	PUNCT
easat-9223	26	11	2025	2025	NUM
easat-9223	26	12	doi	doi	NOUN
easat-9223	26	13	:	:	PUNCT
easat-9223	26	14	10.55214/2576	10.55214/2576	NUM
easat-9223	26	15	-	-	PUNCT
easat-9223	26	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	26	17	©	©	PROPN
easat-9223	26	18	2025	2025	NUM
easat-9223	26	19	by	by	ADP
easat-9223	26	20	the	the	DET
easat-9223	26	21	authors	author	NOUN
easat-9223	26	22	;	;	PUNCT
easat-9223	26	23	licensee	licensee	PROPN
easat-9223	26	24	learning	learning	NOUN
easat-9223	26	25	gate	gate	NOUN
easat-9223	26	26	financial	financial	ADJ
easat-9223	26	27	literacy	literacy	NOUN
easat-9223	26	28	encompasses	encompass	VERB
easat-9223	26	29	the	the	DET
easat-9223	26	30	information	information	NOUN
easat-9223	26	31	,	,	PUNCT
easat-9223	26	32	convictions	conviction	NOUN
easat-9223	26	33	,	,	PUNCT
easat-9223	26	34	and	and	CCONJ
easat-9223	26	35	abilities	ability	NOUN
easat-9223	26	36	that	that	PRON
easat-9223	26	37	influence	influence	VERB
easat-9223	26	38	people	people	NOUN
easat-9223	26	39	's	's	PART
easat-9223	26	40	attitudes	attitude	NOUN
easat-9223	26	41	and	and	CCONJ
easat-9223	26	42	actions	action	NOUN
easat-9223	26	43	,	,	PUNCT
easat-9223	26	44	enabling	enable	VERB
easat-9223	26	45	people	people	NOUN
easat-9223	26	46	to	to	PART
easat-9223	26	47	achieve	achieve	VERB
easat-9223	26	48	financial	financial	ADJ
easat-9223	26	49	stability	stability	NOUN
easat-9223	26	50	by	by	ADP
easat-9223	26	51	enhancing	enhance	VERB
easat-9223	26	52	their	their	PRON
easat-9223	26	53	money	money	NOUN
easat-9223	26	54	management	management	NOUN
easat-9223	26	55	abilities	ability	NOUN
easat-9223	26	56	and	and	CCONJ
easat-9223	26	57	fostering	foster	VERB
easat-9223	26	58	the	the	DET
easat-9223	26	59	skill	skill	NOUN
easat-9223	26	60	to	to	PART
easat-9223	26	61	make	make	VERB
easat-9223	26	62	wise	wise	ADJ
easat-9223	26	63	financial	financial	ADJ
easat-9223	26	64	choices	choice	NOUN
easat-9223	26	65	[	[	X
easat-9223	26	66	6	6	NUM
easat-9223	26	67	]	]	PUNCT
easat-9223	26	68	.	.	PUNCT
easat-9223	27	1	individuals	individual	NOUN
easat-9223	27	2	who	who	PRON
easat-9223	27	3	comprehend	comprehend	VERB
easat-9223	27	4	sound	sound	ADJ
easat-9223	27	5	financial	financial	ADJ
easat-9223	27	6	management	management	NOUN
easat-9223	27	7	principles	principle	NOUN
easat-9223	27	8	exhibit	exhibit	VERB
easat-9223	27	9	greater	great	ADJ
easat-9223	27	10	prudence	prudence	NOUN
easat-9223	27	11	in	in	ADP
easat-9223	27	12	transactions	transaction	NOUN
easat-9223	27	13	,	,	PUNCT
easat-9223	27	14	including	include	VERB
easat-9223	27	15	scrutinizing	scrutinize	VERB
easat-9223	27	16	terms	term	NOUN
easat-9223	27	17	and	and	CCONJ
easat-9223	27	18	conditions	condition	NOUN
easat-9223	27	19	prior	prior	ADV
easat-9223	27	20	to	to	ADP
easat-9223	27	21	purchases	purchase	NOUN
easat-9223	27	22	,	,	PUNCT
easat-9223	27	23	and	and	CCONJ
easat-9223	27	24	are	be	AUX
easat-9223	27	25	more	more	ADV
easat-9223	27	26	inclined	inclined	ADJ
easat-9223	27	27	to	to	PART
easat-9223	27	28	strategize	strategize	VERB
easat-9223	27	29	for	for	ADP
easat-9223	27	30	their	their	PRON
easat-9223	27	31	financial	financial	ADJ
easat-9223	27	32	future	future	NOUN
easat-9223	27	33	.	.	PUNCT
easat-9223	28	1	this	this	PRON
easat-9223	28	2	consequently	consequently	ADV
easat-9223	28	3	promotes	promote	VERB
easat-9223	28	4	prudent	prudent	ADJ
easat-9223	28	5	and	and	CCONJ
easat-9223	28	6	judicious	judicious	ADJ
easat-9223	28	7	financial	financial	ADJ
easat-9223	28	8	management	management	NOUN
easat-9223	28	9	practices	practice	NOUN
easat-9223	28	10	[	[	X
easat-9223	28	11	7	7	NUM
easat-9223	28	12	]	]	PUNCT
easat-9223	28	13	.	.	PUNCT
easat-9223	29	1	the	the	DET
easat-9223	29	2	financial	financial	ADJ
easat-9223	29	3	attitude	attitude	NOUN
easat-9223	29	4	significantly	significantly	ADV
easat-9223	29	5	influences	influence	VERB
easat-9223	29	6	an	an	DET
easat-9223	29	7	individual	individual	NOUN
easat-9223	29	8	's	's	PART
easat-9223	29	9	financial	financial	ADJ
easat-9223	29	10	management	management	NOUN
easat-9223	29	11	behavior	behavior	NOUN
easat-9223	29	12	[	[	X
easat-9223	29	13	8	8	NUM
easat-9223	29	14	]	]	PUNCT
easat-9223	29	15	.	.	PUNCT
easat-9223	30	1	these	these	DET
easat-9223	30	2	attitudes	attitude	NOUN
easat-9223	30	3	manifest	manifest	VERB
easat-9223	30	4	themselves	themselves	PRON
easat-9223	30	5	in	in	ADP
easat-9223	30	6	the	the	DET
easat-9223	30	7	way	way	NOUN
easat-9223	30	8	people	people	NOUN
easat-9223	30	9	handle	handle	VERB
easat-9223	30	10	their	their	PRON
easat-9223	30	11	finances	finance	NOUN
easat-9223	30	12	and	and	CCONJ
easat-9223	30	13	the	the	DET
easat-9223	30	14	decisions	decision	NOUN
easat-9223	30	15	they	they	PRON
easat-9223	30	16	make	make	VERB
easat-9223	30	17	regarding	regard	VERB
easat-9223	30	18	their	their	PRON
easat-9223	30	19	financial	financial	ADJ
easat-9223	30	20	behavior	behavior	NOUN
easat-9223	30	21	[	[	X
easat-9223	30	22	9	9	NUM
easat-9223	30	23	]	]	PUNCT
easat-9223	30	24	.	.	PUNCT
easat-9223	31	1	the	the	DET
easat-9223	31	2	nature	nature	NOUN
easat-9223	31	3	of	of	ADP
easat-9223	31	4	an	an	DET
easat-9223	31	5	individual	individual	NOUN
easat-9223	31	6	's	's	PART
easat-9223	31	7	financial	financial	ADJ
easat-9223	31	8	attitudes	attitude	NOUN
easat-9223	31	9	,	,	PUNCT
easat-9223	31	10	whether	whether	SCONJ
easat-9223	31	11	favorable	favorable	ADJ
easat-9223	31	12	or	or	CCONJ
easat-9223	31	13	unfavorable	unfavorable	ADJ
easat-9223	31	14	,	,	PUNCT
easat-9223	31	15	can	can	AUX
easat-9223	31	16	influence	influence	VERB
easat-9223	31	17	the	the	DET
easat-9223	31	18	effectiveness	effectiveness	NOUN
easat-9223	31	19	of	of	ADP
easat-9223	31	20	their	their	PRON
easat-9223	31	21	financial	financial	ADJ
easat-9223	31	22	management	management	NOUN
easat-9223	31	23	practices	practice	NOUN
easat-9223	31	24	,	,	PUNCT
easat-9223	31	25	including	include	VERB
easat-9223	31	26	the	the	DET
easat-9223	31	27	implementation	implementation	NOUN
easat-9223	31	28	of	of	ADP
easat-9223	31	29	money	money	NOUN
easat-9223	31	30	management	management	NOUN
easat-9223	31	31	strategies	strategy	NOUN
easat-9223	31	32	in	in	ADP
easat-9223	31	33	a	a	DET
easat-9223	31	34	business	business	NOUN
easat-9223	31	35	context	context	NOUN
easat-9223	32	1	[	[	X
easat-9223	32	2	10	10	NUM
easat-9223	32	3	]	]	PUNCT
easat-9223	32	4	.	.	PUNCT
easat-9223	33	1	positive	positive	ADJ
easat-9223	33	2	financial	financial	ADJ
easat-9223	33	3	attitude	attitude	NOUN
easat-9223	33	4	significantly	significantly	ADV
easat-9223	33	5	correlates	correlate	VERB
easat-9223	33	6	with	with	ADP
easat-9223	33	7	improved	improved	ADJ
easat-9223	33	8	financial	financial	ADJ
easat-9223	33	9	management	management	NOUN
easat-9223	33	10	behavior	behavior	NOUN
easat-9223	33	11	[	[	X
easat-9223	33	12	11	11	NUM
easat-9223	33	13	]	]	PUNCT
easat-9223	33	14	.	.	PUNCT
easat-9223	34	1	lifestyle	lifestyle	PROPN
easat-9223	34	2	pertains	pertain	VERB
easat-9223	34	3	to	to	ADP
easat-9223	34	4	the	the	DET
easat-9223	34	5	way	way	NOUN
easat-9223	34	6	individuals	individual	NOUN
easat-9223	34	7	allocate	allocate	VERB
easat-9223	34	8	their	their	PRON
easat-9223	34	9	financial	financial	ADJ
easat-9223	34	10	resources	resource	NOUN
easat-9223	34	11	and	and	CCONJ
easat-9223	34	12	manage	manage	VERB
easat-9223	34	13	their	their	PRON
easat-9223	34	14	time	time	NOUN
easat-9223	35	1	[	[	X
easat-9223	35	2	12	12	NUM
easat-9223	35	3	]	]	PUNCT
easat-9223	35	4	.	.	PUNCT
easat-9223	36	1	to	to	PART
easat-9223	36	2	achieve	achieve	VERB
easat-9223	36	3	a	a	DET
easat-9223	36	4	desired	desire	VERB
easat-9223	36	5	lifestyle	lifestyle	NOUN
easat-9223	36	6	,	,	PUNCT
easat-9223	36	7	individuals	individual	NOUN
easat-9223	36	8	often	often	ADV
easat-9223	36	9	adopt	adopt	VERB
easat-9223	36	10	consumptive	consumptive	ADJ
easat-9223	36	11	behaviors	behavior	NOUN
easat-9223	36	12	without	without	ADP
easat-9223	36	13	thoughtful	thoughtful	ADJ
easat-9223	36	14	consideration	consideration	NOUN
easat-9223	36	15	,	,	PUNCT
easat-9223	36	16	leading	lead	VERB
easat-9223	36	17	to	to	ADP
easat-9223	36	18	uncontrolled	uncontrolled	ADJ
easat-9223	36	19	expenditures	expenditure	NOUN
easat-9223	36	20	when	when	SCONJ
easat-9223	36	21	not	not	PART
easat-9223	36	22	accompanied	accompany	VERB
easat-9223	36	23	by	by	ADP
easat-9223	36	24	sound	sound	ADJ
easat-9223	36	25	financial	financial	ADJ
easat-9223	36	26	management	management	NOUN
easat-9223	36	27	[	[	X
easat-9223	36	28	13	13	NUM
easat-9223	36	29	]	]	PUNCT
easat-9223	36	30	.	.	PUNCT
easat-9223	37	1	the	the	DET
easat-9223	37	2	concept	concept	NOUN
easat-9223	37	3	of	of	ADP
easat-9223	37	4	lifestyle	lifestyle	NOUN
easat-9223	37	5	has	have	VERB
easat-9223	37	6	a	a	DET
easat-9223	37	7	significant	significant	ADJ
easat-9223	37	8	and	and	CCONJ
easat-9223	37	9	positive	positive	ADJ
easat-9223	37	10	influence	influence	NOUN
easat-9223	37	11	on	on	ADP
easat-9223	37	12	how	how	SCONJ
easat-9223	37	13	individuals	individual	NOUN
easat-9223	37	14	manage	manage	VERB
easat-9223	37	15	their	their	PRON
easat-9223	37	16	personal	personal	ADJ
easat-9223	37	17	finances	finance	NOUN
easat-9223	37	18	[	[	X
easat-9223	37	19	14	14	NUM
easat-9223	37	20	]	]	PUNCT
easat-9223	37	21	.	.	PUNCT
easat-9223	38	1	a	a	DET
easat-9223	38	2	person	person	NOUN
easat-9223	38	3	's	's	PART
easat-9223	38	4	locus	locus	NOUN
easat-9223	38	5	of	of	ADP
easat-9223	38	6	control	control	NOUN
easat-9223	38	7	pertains	pertain	NOUN
easat-9223	38	8	to	to	ADP
easat-9223	38	9	their	their	PRON
easat-9223	38	10	belief	belief	NOUN
easat-9223	38	11	in	in	ADP
easat-9223	38	12	either	either	CCONJ
easat-9223	38	13	internal	internal	ADJ
easat-9223	38	14	(	(	PUNCT
easat-9223	38	15	originating	originate	VERB
easat-9223	38	16	from	from	ADP
easat-9223	38	17	within	within	ADP
easat-9223	38	18	)	)	PUNCT
easat-9223	38	19	or	or	CCONJ
easat-9223	38	20	external	external	ADJ
easat-9223	38	21	(	(	PUNCT
easat-9223	38	22	originating	originating	NOUN
easat-9223	38	23	from	from	ADP
easat-9223	38	24	outside	outside	ADJ
easat-9223	38	25	)	)	PUNCT
easat-9223	38	26	influences	influence	NOUN
easat-9223	38	27	that	that	PRON
easat-9223	38	28	affect	affect	VERB
easat-9223	38	29	or	or	CCONJ
easat-9223	38	30	determine	determine	VERB
easat-9223	38	31	life	life	NOUN
easat-9223	38	32	events	event	NOUN
easat-9223	38	33	[	[	X
easat-9223	38	34	15	15	NUM
easat-9223	38	35	]	]	PUNCT
easat-9223	38	36	.	.	PUNCT
easat-9223	39	1	financial	financial	ADJ
easat-9223	39	2	management	management	NOUN
easat-9223	39	3	behavior	behavior	NOUN
easat-9223	39	4	improves	improve	VERB
easat-9223	39	5	when	when	SCONJ
easat-9223	39	6	individuals	individual	NOUN
easat-9223	39	7	possess	possess	VERB
easat-9223	39	8	adequate	adequate	ADJ
easat-9223	39	9	financial	financial	ADJ
easat-9223	39	10	knowledge	knowledge	NOUN
easat-9223	39	11	and	and	CCONJ
easat-9223	39	12	strong	strong	ADJ
easat-9223	39	13	self	self	NOUN
easat-9223	39	14	-	-	PUNCT
easat-9223	39	15	control	control	NOUN
easat-9223	39	16	[	[	X
easat-9223	39	17	16	16	NUM
easat-9223	39	18	]	]	PUNCT
easat-9223	39	19	.	.	PUNCT
easat-9223	40	1	the	the	DET
easat-9223	40	2	degree	degree	NOUN
easat-9223	40	3	to	to	PART
easat-9223	40	4	which	which	PRON
easat-9223	40	5	a	a	DET
easat-9223	40	6	person	person	NOUN
easat-9223	40	7	perceives	perceive	VERB
easat-9223	40	8	control	control	NOUN
easat-9223	40	9	over	over	ADP
easat-9223	40	10	their	their	PRON
easat-9223	40	11	life	life	NOUN
easat-9223	40	12	affects	affect	VERB
easat-9223	40	13	the	the	DET
easat-9223	40	14	benefits	benefit	NOUN
easat-9223	40	15	they	they	PRON
easat-9223	40	16	derive	derive	VERB
easat-9223	40	17	from	from	ADP
easat-9223	40	18	managing	manage	VERB
easat-9223	40	19	their	their	PRON
easat-9223	40	20	finances	finance	NOUN
easat-9223	40	21	effectively	effectively	ADV
easat-9223	40	22	[	[	X
easat-9223	40	23	17	17	NUM
easat-9223	40	24	]	]	PUNCT
easat-9223	40	25	.	.	PUNCT
easat-9223	41	1	those	those	PRON
easat-9223	41	2	who	who	PRON
easat-9223	41	3	maintain	maintain	VERB
easat-9223	41	4	a	a	DET
easat-9223	41	5	strong	strong	ADJ
easat-9223	41	6	locus	locus	NOUN
easat-9223	41	7	of	of	ADP
easat-9223	41	8	control	control	NOUN
easat-9223	41	9	exhibit	exhibit	VERB
easat-9223	41	10	a	a	DET
easat-9223	41	11	heightened	heightened	ADJ
easat-9223	41	12	sense	sense	NOUN
easat-9223	41	13	of	of	ADP
easat-9223	41	14	personal	personal	ADJ
easat-9223	41	15	accountability	accountability	NOUN
easat-9223	41	16	,	,	PUNCT
easat-9223	41	17	exercise	exercise	VERB
easat-9223	41	18	greater	great	ADJ
easat-9223	41	19	caution	caution	NOUN
easat-9223	41	20	in	in	ADP
easat-9223	41	21	their	their	PRON
easat-9223	41	22	financial	financial	ADJ
easat-9223	41	23	choices	choice	NOUN
easat-9223	41	24	,	,	PUNCT
easat-9223	41	25	and	and	CCONJ
easat-9223	41	26	consequently	consequently	ADV
easat-9223	41	27	demonstrate	demonstrate	VERB
easat-9223	41	28	improved	improved	ADJ
easat-9223	41	29	financial	financial	ADJ
easat-9223	41	30	management	management	NOUN
easat-9223	41	31	behavior	behavior	NOUN
easat-9223	41	32	[	[	X
easat-9223	41	33	4	4	NUM
easat-9223	41	34	]	]	PUNCT
easat-9223	41	35	.	.	PUNCT
easat-9223	42	1	numerous	numerous	ADJ
easat-9223	42	2	researchers	researcher	NOUN
easat-9223	42	3	have	have	AUX
easat-9223	42	4	identified	identify	VERB
easat-9223	42	5	that	that	SCONJ
easat-9223	42	6	the	the	DET
easat-9223	42	7	behavior	behavior	NOUN
easat-9223	42	8	associated	associate	VERB
easat-9223	42	9	with	with	ADP
easat-9223	42	10	financial	financial	ADJ
easat-9223	42	11	management	management	NOUN
easat-9223	42	12	is	be	AUX
easat-9223	42	13	profoundly	profoundly	ADV
easat-9223	42	14	affected	affect	VERB
easat-9223	42	15	by	by	ADP
easat-9223	42	16	both	both	PRON
easat-9223	42	17	financial	financial	ADJ
easat-9223	42	18	literacy	literacy	NOUN
easat-9223	42	19	and	and	CCONJ
easat-9223	42	20	financial	financial	ADJ
easat-9223	42	21	attitudes	attitude	NOUN
easat-9223	42	22	[	[	X
easat-9223	42	23	18	18	NUM
easat-9223	42	24	]	]	PUNCT
easat-9223	42	25	.	.	PUNCT
easat-9223	43	1	several	several	ADJ
easat-9223	43	2	studies	study	NOUN
easat-9223	43	3	have	have	AUX
easat-9223	43	4	yielded	yield	VERB
easat-9223	43	5	inconsistent	inconsistent	ADJ
easat-9223	43	6	results	result	NOUN
easat-9223	43	7	,	,	PUNCT
easat-9223	43	8	suggesting	suggest	VERB
easat-9223	43	9	that	that	SCONJ
easat-9223	43	10	the	the	DET
easat-9223	43	11	connection	connection	NOUN
easat-9223	43	12	between	between	ADP
easat-9223	43	13	financial	financial	ADJ
easat-9223	43	14	literacy	literacy	NOUN
easat-9223	43	15	and	and	CCONJ
easat-9223	43	16	the	the	DET
easat-9223	43	17	way	way	NOUN
easat-9223	43	18	people	people	NOUN
easat-9223	43	19	manage	manage	VERB
easat-9223	43	20	their	their	PRON
easat-9223	43	21	finances	finance	NOUN
easat-9223	43	22	is	be	AUX
easat-9223	43	23	not	not	PART
easat-9223	43	24	always	always	ADV
easat-9223	43	25	well	well	ADV
easat-9223	43	26	-	-	PUNCT
easat-9223	43	27	defined	define	VERB
easat-9223	43	28	[	[	X
easat-9223	43	29	19	19	NUM
easat-9223	43	30	]	]	PUNCT
easat-9223	43	31	.	.	PUNCT
easat-9223	44	1	different	different	ADJ
easat-9223	44	2	ethnic	ethnic	ADJ
easat-9223	44	3	groups	group	NOUN
easat-9223	44	4	have	have	VERB
easat-9223	44	5	different	different	ADJ
easat-9223	44	6	risk	risk	NOUN
easat-9223	44	7	tolerance	tolerance	NOUN
easat-9223	44	8	levels	level	NOUN
easat-9223	44	9	,	,	PUNCT
easat-9223	44	10	for	for	ADP
easat-9223	44	11	example	example	NOUN
easat-9223	44	12	,	,	PUNCT
easat-9223	44	13	and	and	CCONJ
easat-9223	44	14	this	this	PRON
easat-9223	44	15	,	,	PUNCT
easat-9223	44	16	along	along	ADP
easat-9223	44	17	with	with	ADP
easat-9223	44	18	other	other	ADJ
easat-9223	44	19	cultural	cultural	ADJ
easat-9223	44	20	and	and	CCONJ
easat-9223	44	21	psychosocial	psychosocial	ADJ
easat-9223	44	22	factors	factor	NOUN
easat-9223	44	23	,	,	PUNCT
easat-9223	44	24	can	can	AUX
easat-9223	44	25	have	have	VERB
easat-9223	44	26	a	a	DET
easat-9223	44	27	significant	significant	ADJ
easat-9223	44	28	impact	impact	NOUN
easat-9223	44	29	on	on	ADP
easat-9223	44	30	how	how	SCONJ
easat-9223	44	31	people	people	NOUN
easat-9223	44	32	make	make	VERB
easat-9223	44	33	decisions	decision	NOUN
easat-9223	44	34	about	about	ADP
easat-9223	44	35	their	their	PRON
easat-9223	44	36	money	money	NOUN
easat-9223	44	37	[	[	X
easat-9223	44	38	20	20	NUM
easat-9223	44	39	]	]	PUNCT
easat-9223	44	40	.	.	PUNCT
easat-9223	45	1	gen	gen	PROPN
easat-9223	45	2	z	z	NOUN
easat-9223	45	3	with	with	ADP
easat-9223	45	4	a	a	DET
easat-9223	45	5	stronger	strong	ADJ
easat-9223	45	6	external	external	ADJ
easat-9223	45	7	locus	locus	NOUN
easat-9223	45	8	of	of	ADP
easat-9223	45	9	control	control	NOUN
easat-9223	45	10	also	also	ADV
easat-9223	45	11	tend	tend	VERB
easat-9223	45	12	to	to	PART
easat-9223	45	13	be	be	AUX
easat-9223	45	14	better	well	ADJ
easat-9223	45	15	financial	financial	ADJ
easat-9223	45	16	managers	manager	NOUN
easat-9223	45	17	,	,	PUNCT
easat-9223	45	18	suggesting	suggest	VERB
easat-9223	45	19	that	that	SCONJ
easat-9223	45	20	financial	financial	ADJ
easat-9223	45	21	literacy	literacy	NOUN
easat-9223	45	22	has	have	VERB
easat-9223	45	23	a	a	DET
easat-9223	45	24	multiplicative	multiplicative	ADJ
easat-9223	45	25	effect	effect	NOUN
easat-9223	45	26	on	on	ADP
easat-9223	45	27	this	this	DET
easat-9223	45	28	trait	trait	NOUN
easat-9223	46	1	[	[	X
easat-9223	46	2	21	21	NUM
easat-9223	46	3	]	]	PUNCT
easat-9223	46	4	.	.	PUNCT
easat-9223	47	1	based	base	VERB
easat-9223	47	2	on	on	ADP
easat-9223	47	3	these	these	DET
easat-9223	47	4	findings	finding	NOUN
easat-9223	47	5	,	,	PUNCT
easat-9223	47	6	this	this	DET
easat-9223	47	7	research	research	NOUN
easat-9223	47	8	aims	aim	VERB
easat-9223	47	9	to	to	PART
easat-9223	47	10	explore	explore	VERB
easat-9223	47	11	the	the	DET
easat-9223	47	12	impact	impact	NOUN
easat-9223	47	13	of	of	ADP
easat-9223	47	14	lifestyle	lifestyle	NOUN
easat-9223	47	15	,	,	PUNCT
easat-9223	47	16	financial	financial	ADJ
easat-9223	47	17	attitudes	attitude	NOUN
easat-9223	47	18	,	,	PUNCT
easat-9223	47	19	and	and	CCONJ
easat-9223	47	20	financial	financial	ADJ
easat-9223	47	21	literacy	literacy	NOUN
easat-9223	47	22	on	on	ADP
easat-9223	47	23	financial	financial	ADJ
easat-9223	47	24	management	management	NOUN
easat-9223	47	25	practices	practice	NOUN
easat-9223	47	26	,	,	PUNCT
easat-9223	47	27	specifically	specifically	ADV
easat-9223	47	28	in	in	ADP
easat-9223	47	29	the	the	DET
easat-9223	47	30	context	context	NOUN
easat-9223	47	31	of	of	ADP
easat-9223	47	32	paylater	paylater	NOUN
easat-9223	47	33	usage	usage	NOUN
easat-9223	47	34	among	among	ADP
easat-9223	47	35	generation	generation	NOUN
easat-9223	47	36	z	z	PROPN
easat-9223	47	37	in	in	ADP
easat-9223	47	38	indonesia	indonesia	PROPN
easat-9223	47	39	.	.	PUNCT
easat-9223	48	1	in	in	ADP
easat-9223	48	2	addition	addition	NOUN
easat-9223	48	3	,	,	PUNCT
easat-9223	48	4	this	this	DET
easat-9223	48	5	study	study	NOUN
easat-9223	48	6	also	also	ADV
easat-9223	48	7	examines	examine	VERB
easat-9223	48	8	how	how	SCONJ
easat-9223	48	9	locus	locus	NOUN
easat-9223	48	10	of	of	ADP
easat-9223	48	11	control	control	NOUN
easat-9223	48	12	mediates	mediate	VERB
easat-9223	48	13	this	this	DET
easat-9223	48	14	relationship	relationship	NOUN
easat-9223	48	15	.	.	PUNCT
easat-9223	49	1	the	the	DET
easat-9223	49	2	outcomes	outcome	NOUN
easat-9223	49	3	of	of	ADP
easat-9223	49	4	this	this	DET
easat-9223	49	5	study	study	NOUN
easat-9223	49	6	hold	hold	VERB
easat-9223	49	7	significance	significance	NOUN
easat-9223	49	8	for	for	ADP
easat-9223	49	9	both	both	CCONJ
easat-9223	49	10	academic	academic	ADJ
easat-9223	49	11	and	and	CCONJ
easat-9223	49	12	practical	practical	ADJ
easat-9223	49	13	applications	application	NOUN
easat-9223	49	14	.	.	PUNCT
easat-9223	50	1	it	it	PRON
easat-9223	50	2	is	be	AUX
easat-9223	50	3	anticipated	anticipate	VERB
easat-9223	50	4	that	that	SCONJ
easat-9223	50	5	the	the	DET
easat-9223	50	6	results	result	NOUN
easat-9223	50	7	will	will	AUX
easat-9223	50	8	enhance	enhance	VERB
easat-9223	50	9	the	the	DET
easat-9223	50	10	existing	exist	VERB
easat-9223	50	11	literature	literature	NOUN
easat-9223	50	12	on	on	ADP
easat-9223	50	13	financial	financial	ADJ
easat-9223	50	14	management	management	NOUN
easat-9223	50	15	behavior	behavior	NOUN
easat-9223	50	16	and	and	CCONJ
easat-9223	50	17	the	the	DET
easat-9223	50	18	utilization	utilization	NOUN
easat-9223	50	19	of	of	ADP
easat-9223	50	20	fintech	fintech	NOUN
easat-9223	50	21	by	by	ADP
easat-9223	50	22	generation	generation	NOUN
easat-9223	50	23	z	z	PROPN
easat-9223	50	24	in	in	ADP
easat-9223	50	25	indonesia	indonesia	PROPN
easat-9223	50	26	.	.	PUNCT
easat-9223	51	1	practically	practically	ADV
easat-9223	51	2	,	,	PUNCT
easat-9223	51	3	the	the	DET
easat-9223	51	4	results	result	NOUN
easat-9223	51	5	can	can	AUX
easat-9223	51	6	serve	serve	VERB
easat-9223	51	7	as	as	ADP
easat-9223	51	8	a	a	DET
easat-9223	51	9	reference	reference	NOUN
easat-9223	51	10	for	for	ADP
easat-9223	51	11	fintech	fintech	NOUN
easat-9223	51	12	companies	company	NOUN
easat-9223	51	13	,	,	PUNCT
easat-9223	51	14	educators	educator	NOUN
easat-9223	51	15	,	,	PUNCT
easat-9223	51	16	and	and	CCONJ
easat-9223	51	17	policymakers	policymaker	NOUN
easat-9223	51	18	in	in	ADP
easat-9223	51	19	designing	design	VERB
easat-9223	51	20	financial	financial	ADJ
easat-9223	51	21	literacy	literacy	NOUN
easat-9223	51	22	programs	program	NOUN
easat-9223	51	23	and	and	CCONJ
easat-9223	51	24	promoting	promote	VERB
easat-9223	51	25	more	more	ADV
easat-9223	51	26	responsible	responsible	ADJ
easat-9223	51	27	digital	digital	ADJ
easat-9223	51	28	financial	financial	ADJ
easat-9223	51	29	behavior	behavior	NOUN
easat-9223	51	30	.	.	PUNCT
easat-9223	52	1	2	2	X
easat-9223	52	2	.	.	X
easat-9223	52	3	literature	literature	NOUN
easat-9223	52	4	review	review	PROPN
easat-9223	52	5	and	and	CCONJ
easat-9223	52	6	hypothesis	hypothesis	NOUN
easat-9223	52	7	development	development	NOUN
easat-9223	52	8	2.1	2.1	NUM
easat-9223	52	9	.	.	PUNCT
easat-9223	53	1	theory	theory	NOUN
easat-9223	53	2	of	of	ADP
easat-9223	53	3	planned	plan	VERB
easat-9223	53	4	behavior	behavior	NOUN
easat-9223	53	5	the	the	DET
easat-9223	53	6	theory	theory	NOUN
easat-9223	53	7	of	of	ADP
easat-9223	53	8	reasoned	reasoned	ADJ
easat-9223	53	9	action	action	NOUN
easat-9223	53	10	,	,	PUNCT
easat-9223	53	11	as	as	SCONJ
easat-9223	53	12	first	first	ADV
easat-9223	53	13	put	put	VERB
easat-9223	53	14	forth	forth	ADV
easat-9223	53	15	,	,	PUNCT
easat-9223	53	16	serves	serve	VERB
easat-9223	53	17	as	as	ADP
easat-9223	53	18	the	the	DET
easat-9223	53	19	basis	basis	NOUN
easat-9223	53	20	for	for	ADP
easat-9223	53	21	the	the	DET
easat-9223	53	22	theory	theory	NOUN
easat-9223	53	23	of	of	ADP
easat-9223	53	24	planned	plan	VERB
easat-9223	53	25	behavior	behavior	NOUN
easat-9223	53	26	[	[	X
easat-9223	53	27	22	22	NUM
easat-9223	53	28	]	]	PUNCT
easat-9223	53	29	.	.	PUNCT
easat-9223	54	1	this	this	DET
easat-9223	54	2	theoretical	theoretical	ADJ
easat-9223	54	3	framework	framework	NOUN
easat-9223	54	4	was	be	AUX
easat-9223	54	5	developed	develop	VERB
easat-9223	54	6	to	to	PART
easat-9223	54	7	elucidate	elucidate	VERB
easat-9223	54	8	and	and	CCONJ
easat-9223	54	9	forecast	forecast	VERB
easat-9223	54	10	human	human	ADJ
easat-9223	54	11	behavior	behavior	NOUN
easat-9223	54	12	within	within	ADP
easat-9223	54	13	a	a	DET
easat-9223	54	14	particular	particular	ADJ
easat-9223	54	15	context	context	NOUN
easat-9223	54	16	,	,	PUNCT
easat-9223	54	17	particularly	particularly	ADV
easat-9223	54	18	when	when	SCONJ
easat-9223	54	19	such	such	ADJ
easat-9223	54	20	behavior	behavior	NOUN
easat-9223	54	21	is	be	AUX
easat-9223	54	22	not	not	PART
easat-9223	54	23	entirely	entirely	ADV
easat-9223	54	24	within	within	ADP
easat-9223	54	25	the	the	DET
easat-9223	54	26	individual	individual	NOUN
easat-9223	54	27	's	's	PART
easat-9223	54	28	control	control	NOUN
easat-9223	54	29	.	.	PUNCT
easat-9223	55	1	the	the	DET
easat-9223	55	2	theory	theory	NOUN
easat-9223	55	3	highlights	highlight	VERB
easat-9223	55	4	that	that	SCONJ
easat-9223	55	5	three	three	NUM
easat-9223	55	6	key	key	ADJ
easat-9223	55	7	elements	element	NOUN
easat-9223	55	8	—	—	PUNCT
easat-9223	55	9	attitude	attitude	NOUN
easat-9223	55	10	towards	towards	ADP
easat-9223	55	11	the	the	DET
easat-9223	55	12	behavior	behavior	NOUN
easat-9223	55	13	,	,	PUNCT
easat-9223	55	14	subjective	subjective	ADJ
easat-9223	55	15	norms	norm	NOUN
easat-9223	55	16	,	,	PUNCT
easat-9223	55	17	and	and	CCONJ
easat-9223	55	18	perceived	perceive	VERB
easat-9223	55	19	behavioral	behavioral	ADJ
easat-9223	55	20	control	control	NOUN
easat-9223	55	21	—	—	PUNCT
easat-9223	55	22	significantly	significantly	ADV
easat-9223	55	23	influence	influence	VERB
easat-9223	55	24	actual	actual	ADJ
easat-9223	55	25	behavior	behavior	NOUN
easat-9223	55	26	,	,	PUNCT
easat-9223	55	27	which	which	PRON
easat-9223	55	28	is	be	AUX
easat-9223	55	29	mainly	mainly	ADV
easat-9223	55	30	forecasted	forecast	VERB
easat-9223	55	31	by	by	ADP
easat-9223	55	32	intention	intention	NOUN
easat-9223	55	33	[	[	X
easat-9223	55	34	22	22	NUM
easat-9223	55	35	]	]	PUNCT
easat-9223	55	36	.	.	PUNCT
easat-9223	56	1	the	the	DET
easat-9223	56	2	probability	probability	NOUN
easat-9223	56	3	of	of	ADP
easat-9223	56	4	an	an	DET
easat-9223	56	5	individual	individual	NOUN
easat-9223	56	6	engaging	engage	VERB
easat-9223	56	7	in	in	ADP
easat-9223	56	8	a	a	DET
easat-9223	56	9	behavior	behavior	NOUN
easat-9223	56	10	rises	rise	VERB
easat-9223	56	11	with	with	ADP
easat-9223	56	12	the	the	DET
easat-9223	56	13	97	97	NUM
easat-9223	56	14	edelweiss	edelweiss	PROPN
easat-9223	56	15	applied	apply	VERB
easat-9223	56	16	science	science	NOUN
easat-9223	56	17	and	and	CCONJ
easat-9223	56	18	technology	technology	NOUN
easat-9223	56	19	issn	issn	PROPN
easat-9223	56	20	:	:	PUNCT
easat-9223	56	21	2576	2576	NUM
easat-9223	56	22	-	-	SYM
easat-9223	56	23	8484	8484	NUM
easat-9223	56	24	vol	vol	NOUN
easat-9223	56	25	.	.	PROPN
easat-9223	57	1	9	9	NUM
easat-9223	57	2	,	,	PUNCT
easat-9223	57	3	no	no	INTJ
easat-9223	57	4	.	.	NOUN
easat-9223	57	5	8	8	NUM
easat-9223	57	6	:	:	SYM
easat-9223	57	7	95	95	NUM
easat-9223	57	8	-	-	SYM
easat-9223	57	9	112	112	NUM
easat-9223	57	10	,	,	PUNCT
easat-9223	57	11	2025	2025	NUM
easat-9223	57	12	doi	doi	NOUN
easat-9223	57	13	:	:	PUNCT
easat-9223	57	14	10.55214/2576	10.55214/2576	NUM
easat-9223	57	15	-	-	PUNCT
easat-9223	57	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	57	17	©	©	PROPN
easat-9223	57	18	2025	2025	NUM
easat-9223	57	19	by	by	ADP
easat-9223	57	20	the	the	DET
easat-9223	57	21	authors	author	NOUN
easat-9223	57	22	;	;	PUNCT
easat-9223	57	23	licensee	licensee	PROPN
easat-9223	57	24	learning	learning	NOUN
easat-9223	57	25	gate	gate	PROPN
easat-9223	57	26	intensity	intensity	NOUN
easat-9223	57	27	of	of	ADP
easat-9223	57	28	their	their	PRON
easat-9223	57	29	intention	intention	NOUN
easat-9223	57	30	to	to	PART
easat-9223	57	31	perform	perform	VERB
easat-9223	57	32	it	it	PRON
easat-9223	57	33	.	.	PUNCT
easat-9223	58	1	nonetheless	nonetheless	ADV
easat-9223	58	2	,	,	PUNCT
easat-9223	58	3	this	this	DET
easat-9223	58	4	intention	intention	NOUN
easat-9223	58	5	can	can	AUX
easat-9223	58	6	only	only	ADV
easat-9223	58	7	be	be	AUX
easat-9223	58	8	fulfilled	fulfil	VERB
easat-9223	58	9	if	if	SCONJ
easat-9223	58	10	the	the	DET
easat-9223	58	11	behavior	behavior	NOUN
easat-9223	58	12	falls	fall	VERB
easat-9223	58	13	within	within	ADP
easat-9223	58	14	the	the	DET
easat-9223	58	15	individual	individual	NOUN
easat-9223	58	16	's	's	PART
easat-9223	58	17	volitional	volitional	ADJ
easat-9223	58	18	control	control	NOUN
easat-9223	59	1	[	[	X
easat-9223	59	2	22	22	NUM
easat-9223	59	3	]	]	PUNCT
easat-9223	59	4	.	.	PUNCT
easat-9223	60	1	2.2	2.2	NUM
easat-9223	60	2	.	.	PUNCT
easat-9223	60	3	financial	financial	ADJ
easat-9223	60	4	management	management	NOUN
easat-9223	60	5	behavior	behavior	NOUN
easat-9223	60	6	the	the	DET
easat-9223	60	7	study	study	NOUN
easat-9223	60	8	of	of	ADP
easat-9223	60	9	financial	financial	ADJ
easat-9223	60	10	management	management	NOUN
easat-9223	60	11	behavior	behavior	NOUN
easat-9223	60	12	examines	examine	VERB
easat-9223	60	13	an	an	DET
easat-9223	60	14	individual	individual	NOUN
easat-9223	60	15	's	's	PART
easat-9223	60	16	financial	financial	ADJ
easat-9223	60	17	management	management	NOUN
easat-9223	60	18	practices	practice	NOUN
easat-9223	60	19	from	from	ADP
easat-9223	60	20	both	both	CCONJ
easat-9223	60	21	psychological	psychological	ADJ
easat-9223	60	22	and	and	CCONJ
easat-9223	60	23	habitual	habitual	ADJ
easat-9223	60	24	perspectives	perspective	NOUN
easat-9223	60	25	,	,	PUNCT
easat-9223	60	26	as	as	ADV
easat-9223	60	27	well	well	ADV
easat-9223	60	28	as	as	ADP
easat-9223	60	29	the	the	DET
easat-9223	60	30	irrational	irrational	ADJ
easat-9223	60	31	decision	decision	NOUN
easat-9223	60	32	-	-	PUNCT
easat-9223	60	33	making	making	NOUN
easat-9223	60	34	that	that	PRON
easat-9223	60	35	can	can	AUX
easat-9223	60	36	accompany	accompany	VERB
easat-9223	60	37	financial	financial	ADJ
easat-9223	60	38	choices	choice	NOUN
easat-9223	60	39	[	[	X
easat-9223	60	40	23	23	NUM
easat-9223	60	41	]	]	PUNCT
easat-9223	60	42	.	.	PUNCT
easat-9223	61	1	the	the	DET
easat-9223	61	2	capacity	capacity	NOUN
easat-9223	61	3	of	of	ADP
easat-9223	61	4	an	an	DET
easat-9223	61	5	individual	individual	NOUN
easat-9223	61	6	to	to	PART
easat-9223	61	7	effectively	effectively	ADV
easat-9223	61	8	oversee	oversee	VERB
easat-9223	61	9	and	and	CCONJ
easat-9223	61	10	organize	organize	VERB
easat-9223	61	11	their	their	PRON
easat-9223	61	12	monetary	monetary	ADJ
easat-9223	61	13	resources	resource	NOUN
easat-9223	61	14	is	be	AUX
easat-9223	61	15	known	know	VERB
easat-9223	61	16	as	as	ADP
easat-9223	61	17	financial	financial	ADJ
easat-9223	61	18	management	management	NOUN
easat-9223	61	19	behavior	behavior	NOUN
easat-9223	61	20	[	[	X
easat-9223	61	21	24	24	NUM
easat-9223	61	22	]	]	PUNCT
easat-9223	61	23	.	.	PUNCT
easat-9223	62	1	furthermore	furthermore	ADV
easat-9223	62	2	,	,	PUNCT
easat-9223	62	3	financial	financial	ADJ
easat-9223	62	4	management	management	NOUN
easat-9223	62	5	behavior	behavior	NOUN
easat-9223	62	6	can	can	AUX
easat-9223	62	7	be	be	AUX
easat-9223	62	8	understood	understand	VERB
easat-9223	62	9	as	as	ADP
easat-9223	62	10	a	a	DET
easat-9223	62	11	systematic	systematic	ADJ
easat-9223	62	12	approach	approach	NOUN
easat-9223	62	13	to	to	ADP
easat-9223	62	14	controlling	control	VERB
easat-9223	62	15	and	and	CCONJ
easat-9223	62	16	wisely	wisely	ADV
easat-9223	62	17	utilizing	utilize	VERB
easat-9223	62	18	financial	financial	ADJ
easat-9223	62	19	assets	asset	NOUN
easat-9223	62	20	,	,	PUNCT
easat-9223	62	21	encompassing	encompass	VERB
easat-9223	62	22	several	several	ADJ
easat-9223	62	23	critical	critical	ADJ
easat-9223	62	24	components	component	NOUN
easat-9223	62	25	such	such	ADJ
easat-9223	62	26	as	as	ADP
easat-9223	62	27	budget	budget	NOUN
easat-9223	62	28	planning	planning	NOUN
easat-9223	62	29	,	,	PUNCT
easat-9223	62	30	assessment	assessment	NOUN
easat-9223	62	31	of	of	ADP
easat-9223	62	32	purchasing	purchase	VERB
easat-9223	62	33	necessities	necessity	NOUN
easat-9223	62	34	,	,	PUNCT
easat-9223	62	35	and	and	CCONJ
easat-9223	62	36	the	the	DET
easat-9223	62	37	management	management	NOUN
easat-9223	62	38	of	of	ADP
easat-9223	62	39	debts	debt	NOUN
easat-9223	62	40	and	and	CCONJ
easat-9223	62	41	retirement	retirement	NOUN
easat-9223	62	42	funds	fund	NOUN
easat-9223	62	43	within	within	ADP
easat-9223	62	44	a	a	DET
easat-9223	62	45	suitable	suitable	ADJ
easat-9223	62	46	timeframe	timeframe	NOUN
easat-9223	62	47	[	[	X
easat-9223	62	48	25	25	NUM
easat-9223	62	49	]	]	PUNCT
easat-9223	62	50	.	.	PUNCT
easat-9223	63	1	2.3	2.3	NUM
easat-9223	63	2	.	.	PUNCT
easat-9223	64	1	financial	financial	ADJ
easat-9223	64	2	literacy	literacy	NOUN
easat-9223	64	3	to	to	PART
easat-9223	64	4	be	be	AUX
easat-9223	64	5	financially	financially	ADV
easat-9223	64	6	literate	literate	ADJ
easat-9223	64	7	is	be	AUX
easat-9223	64	8	to	to	PART
easat-9223	64	9	have	have	VERB
easat-9223	64	10	the	the	DET
easat-9223	64	11	knowledge	knowledge	NOUN
easat-9223	64	12	,	,	PUNCT
easat-9223	64	13	desire	desire	NOUN
easat-9223	64	14	,	,	PUNCT
easat-9223	64	15	and	and	CCONJ
easat-9223	64	16	self	self	NOUN
easat-9223	64	17	-	-	PUNCT
easat-9223	64	18	assurance	assurance	NOUN
easat-9223	64	19	to	to	PART
easat-9223	64	20	apply	apply	VERB
easat-9223	64	21	one	one	NUM
easat-9223	64	22	's	's	PART
easat-9223	64	23	understanding	understanding	NOUN
easat-9223	64	24	of	of	ADP
easat-9223	64	25	financial	financial	ADJ
easat-9223	64	26	concepts	concept	NOUN
easat-9223	64	27	and	and	CCONJ
easat-9223	64	28	risks	risk	NOUN
easat-9223	64	29	to	to	ADP
easat-9223	64	30	a	a	DET
easat-9223	64	31	variety	variety	NOUN
easat-9223	64	32	of	of	ADP
easat-9223	64	33	contexts	context	NOUN
easat-9223	64	34	;	;	PUNCT
easat-9223	64	35	this	this	PRON
easat-9223	64	36	encourages	encourage	VERB
easat-9223	64	37	participation	participation	NOUN
easat-9223	64	38	in	in	ADP
easat-9223	64	39	the	the	DET
easat-9223	64	40	economy	economy	NOUN
easat-9223	64	41	,	,	PUNCT
easat-9223	64	42	which	which	PRON
easat-9223	64	43	boosts	boost	VERB
easat-9223	64	44	growth	growth	NOUN
easat-9223	64	45	and	and	CCONJ
easat-9223	64	46	the	the	DET
easat-9223	64	47	community	community	NOUN
easat-9223	64	48	's	's	PART
easat-9223	64	49	well	well	ADV
easat-9223	64	50	-	-	PUNCT
easat-9223	64	51	being	be	AUX
easat-9223	64	52	[	[	X
easat-9223	64	53	26	26	NUM
easat-9223	64	54	]	]	PUNCT
easat-9223	64	55	.	.	PUNCT
easat-9223	65	1	furthermore	furthermore	ADV
easat-9223	65	2	,	,	PUNCT
easat-9223	65	3	being	be	AUX
easat-9223	65	4	financially	financially	ADV
easat-9223	65	5	literate	literate	ADJ
easat-9223	65	6	signifies	signifie	NOUN
easat-9223	65	7	that	that	PRON
easat-9223	65	8	you	you	PRON
easat-9223	65	9	are	be	AUX
easat-9223	65	10	proactively	proactively	ADV
easat-9223	65	11	enhancing	enhance	VERB
easat-9223	65	12	your	your	PRON
easat-9223	65	13	understanding	understanding	NOUN
easat-9223	65	14	and	and	CCONJ
easat-9223	65	15	skills	skill	NOUN
easat-9223	65	16	in	in	ADP
easat-9223	65	17	the	the	DET
easat-9223	65	18	financial	financial	ADJ
easat-9223	65	19	sector	sector	NOUN
easat-9223	65	20	,	,	PUNCT
easat-9223	65	21	which	which	PRON
easat-9223	65	22	encompasses	encompass	VERB
easat-9223	65	23	grasping	grasp	VERB
easat-9223	65	24	fundamental	fundamental	ADJ
easat-9223	65	25	finance	finance	NOUN
easat-9223	65	26	concepts	concept	NOUN
easat-9223	65	27	,	,	PUNCT
easat-9223	65	28	financial	financial	ADJ
easat-9223	65	29	management	management	NOUN
easat-9223	65	30	,	,	PUNCT
easat-9223	65	31	saving	saving	NOUN
easat-9223	65	32	and	and	CCONJ
easat-9223	65	33	investment	investment	NOUN
easat-9223	65	34	strategies	strategy	NOUN
easat-9223	65	35	,	,	PUNCT
easat-9223	65	36	as	as	ADV
easat-9223	65	37	well	well	ADV
easat-9223	65	38	as	as	ADP
easat-9223	65	39	recognizing	recognize	VERB
easat-9223	65	40	the	the	DET
easat-9223	65	41	advantages	advantage	NOUN
easat-9223	65	42	and	and	CCONJ
easat-9223	65	43	risks	risk	NOUN
easat-9223	65	44	associated	associate	VERB
easat-9223	65	45	with	with	ADP
easat-9223	65	46	various	various	ADJ
easat-9223	65	47	financial	financial	ADJ
easat-9223	65	48	products	product	NOUN
easat-9223	65	49	[	[	X
easat-9223	65	50	27	27	NUM
easat-9223	65	51	]	]	PUNCT
easat-9223	65	52	.	.	PUNCT
easat-9223	66	1	in	in	ADP
easat-9223	66	2	this	this	DET
easat-9223	66	3	regard	regard	NOUN
easat-9223	66	4	,	,	PUNCT
easat-9223	66	5	financial	financial	ADJ
easat-9223	66	6	literacy	literacy	NOUN
easat-9223	66	7	is	be	AUX
easat-9223	66	8	essential	essential	ADJ
easat-9223	66	9	in	in	ADP
easat-9223	66	10	assisting	assist	VERB
easat-9223	66	11	individuals	individual	NOUN
easat-9223	66	12	to	to	PART
easat-9223	66	13	manage	manage	VERB
easat-9223	66	14	their	their	PRON
easat-9223	66	15	finances	finance	NOUN
easat-9223	66	16	more	more	ADV
easat-9223	66	17	judiciously	judiciously	ADV
easat-9223	66	18	and	and	CCONJ
easat-9223	66	19	creates	create	VERB
easat-9223	66	20	pathways	pathway	NOUN
easat-9223	66	21	for	for	ADP
easat-9223	66	22	achieving	achieve	VERB
easat-9223	66	23	a	a	DET
easat-9223	66	24	more	more	ADV
easat-9223	66	25	prosperous	prosperous	ADJ
easat-9223	66	26	future	future	NOUN
easat-9223	66	27	[	[	X
easat-9223	66	28	28	28	NUM
easat-9223	66	29	]	]	PUNCT
easat-9223	66	30	.	.	PUNCT
easat-9223	67	1	to	to	PART
easat-9223	67	2	assess	assess	VERB
easat-9223	67	3	the	the	DET
easat-9223	67	4	degree	degree	NOUN
easat-9223	67	5	of	of	ADP
easat-9223	67	6	financial	financial	ADJ
easat-9223	67	7	literacy	literacy	NOUN
easat-9223	67	8	,	,	PUNCT
easat-9223	67	9	various	various	ADJ
easat-9223	67	10	indicators	indicator	NOUN
easat-9223	67	11	are	be	AUX
easat-9223	67	12	employed	employ	VERB
easat-9223	67	13	,	,	PUNCT
easat-9223	67	14	such	such	ADJ
easat-9223	67	15	as	as	ADP
easat-9223	67	16	overall	overall	ADJ
easat-9223	67	17	financial	financial	ADJ
easat-9223	67	18	knowledge	knowledge	NOUN
easat-9223	67	19	,	,	PUNCT
easat-9223	67	20	saving	saving	NOUN
easat-9223	67	21	practices	practice	NOUN
easat-9223	67	22	,	,	PUNCT
easat-9223	67	23	borrowing	borrow	VERB
easat-9223	67	24	tendencies	tendency	NOUN
easat-9223	67	25	,	,	PUNCT
easat-9223	67	26	and	and	CCONJ
easat-9223	67	27	comprehension	comprehension	NOUN
easat-9223	67	28	of	of	ADP
easat-9223	67	29	insurance	insurance	NOUN
easat-9223	67	30	[	[	X
easat-9223	67	31	29	29	NUM
easat-9223	67	32	]	]	PUNCT
easat-9223	67	33	.	.	PUNCT
easat-9223	68	1	2.4	2.4	NUM
easat-9223	68	2	.	.	PUNCT
easat-9223	69	1	financial	financial	ADJ
easat-9223	69	2	attitude	attitude	NOUN
easat-9223	69	3	a	a	DET
easat-9223	69	4	financial	financial	ADJ
easat-9223	69	5	attitude	attitude	NOUN
easat-9223	69	6	consists	consist	VERB
easat-9223	69	7	of	of	ADP
easat-9223	69	8	a	a	DET
easat-9223	69	9	collection	collection	NOUN
easat-9223	69	10	of	of	ADP
easat-9223	69	11	guiding	guide	VERB
easat-9223	69	12	principles	principle	NOUN
easat-9223	69	13	aimed	aim	VERB
easat-9223	69	14	at	at	ADP
easat-9223	69	15	effectively	effectively	ADV
easat-9223	69	16	managing	manage	VERB
easat-9223	69	17	money	money	NOUN
easat-9223	69	18	and	and	CCONJ
easat-9223	69	19	making	make	VERB
easat-9223	69	20	prudent	prudent	ADJ
easat-9223	69	21	decisions	decision	NOUN
easat-9223	69	22	to	to	PART
easat-9223	69	23	build	build	VERB
easat-9223	69	24	and	and	CCONJ
easat-9223	69	25	sustain	sustain	VERB
easat-9223	69	26	wealth	wealth	NOUN
easat-9223	69	27	[	[	X
easat-9223	69	28	30	30	NUM
easat-9223	69	29	]	]	PUNCT
easat-9223	69	30	.	.	PUNCT
easat-9223	70	1	furthermore	furthermore	ADV
easat-9223	70	2	,	,	PUNCT
easat-9223	70	3	a	a	DET
easat-9223	70	4	person	person	NOUN
easat-9223	70	5	's	's	PART
easat-9223	70	6	behavior	behavior	NOUN
easat-9223	70	7	related	relate	VERB
easat-9223	70	8	to	to	ADP
easat-9223	70	9	financial	financial	ADJ
easat-9223	70	10	management	management	NOUN
easat-9223	70	11	can	can	AUX
easat-9223	70	12	be	be	AUX
easat-9223	70	13	interpreted	interpret	VERB
easat-9223	70	14	as	as	ADP
easat-9223	70	15	financial	financial	ADJ
easat-9223	70	16	attitude	attitude	NOUN
easat-9223	70	17	,	,	PUNCT
easat-9223	70	18	which	which	PRON
easat-9223	70	19	is	be	AUX
easat-9223	70	20	a	a	DET
easat-9223	70	21	mindset	mindset	NOUN
easat-9223	70	22	,	,	PUNCT
easat-9223	70	23	perspective	perspective	NOUN
easat-9223	70	24	,	,	PUNCT
easat-9223	70	25	or	or	CCONJ
easat-9223	70	26	personal	personal	ADJ
easat-9223	70	27	assessment	assessment	NOUN
easat-9223	70	28	related	relate	VERB
easat-9223	70	29	to	to	ADP
easat-9223	70	30	finance	finance	NOUN
easat-9223	70	31	[	[	X
easat-9223	70	32	31	31	NUM
easat-9223	70	33	]	]	PUNCT
easat-9223	70	34	.	.	PUNCT
easat-9223	71	1	a	a	DET
easat-9223	71	2	person	person	NOUN
easat-9223	71	3	's	's	PART
easat-9223	71	4	ability	ability	NOUN
easat-9223	71	5	to	to	PART
easat-9223	71	6	monitor	monitor	VERB
easat-9223	71	7	cash	cash	NOUN
easat-9223	71	8	inflows	inflow	NOUN
easat-9223	71	9	and	and	CCONJ
easat-9223	71	10	outflows	outflow	NOUN
easat-9223	71	11	,	,	PUNCT
easat-9223	71	12	invest	invest	VERB
easat-9223	71	13	to	to	PART
easat-9223	71	14	achieve	achieve	VERB
easat-9223	71	15	future	future	ADJ
easat-9223	71	16	plans	plan	NOUN
easat-9223	71	17	,	,	PUNCT
easat-9223	71	18	and	and	CCONJ
easat-9223	71	19	manage	manage	VERB
easat-9223	71	20	finances	finance	NOUN
easat-9223	71	21	according	accord	VERB
easat-9223	71	22	to	to	ADP
easat-9223	71	23	their	their	PRON
easat-9223	71	24	needs	need	NOUN
easat-9223	71	25	is	be	AUX
easat-9223	71	26	an	an	DET
easat-9223	71	27	indication	indication	NOUN
easat-9223	71	28	of	of	ADP
easat-9223	71	29	a	a	DET
easat-9223	71	30	positive	positive	ADJ
easat-9223	71	31	and	and	CCONJ
easat-9223	71	32	responsible	responsible	ADJ
easat-9223	71	33	financial	financial	ADJ
easat-9223	71	34	attitude	attitude	NOUN
easat-9223	71	35	[	[	X
easat-9223	71	36	32	32	NUM
easat-9223	71	37	]	]	PUNCT
easat-9223	71	38	.	.	PUNCT
easat-9223	72	1	moreover	moreover	ADV
easat-9223	72	2	,	,	PUNCT
easat-9223	72	3	financial	financial	ADJ
easat-9223	72	4	attitude	attitude	NOUN
easat-9223	72	5	manifests	manifest	NOUN
easat-9223	72	6	in	in	ADP
easat-9223	72	7	the	the	DET
easat-9223	72	8	behaviors	behavior	NOUN
easat-9223	72	9	and	and	CCONJ
easat-9223	72	10	choices	choice	NOUN
easat-9223	72	11	made	make	VERB
easat-9223	72	12	by	by	ADP
easat-9223	72	13	individuals	individual	NOUN
easat-9223	72	14	regarding	regard	VERB
easat-9223	72	15	their	their	PRON
easat-9223	72	16	personal	personal	ADJ
easat-9223	72	17	financial	financial	ADJ
easat-9223	72	18	management	management	NOUN
easat-9223	72	19	[	[	X
easat-9223	72	20	33	33	NUM
easat-9223	72	21	]	]	PUNCT
easat-9223	72	22	.	.	PUNCT
easat-9223	73	1	2.5	2.5	NUM
easat-9223	73	2	.	.	PUNCT
easat-9223	74	1	lifestyle	lifestyle	PROPN
easat-9223	74	2	lifestyle	lifestyle	PROPN
easat-9223	74	3	can	can	AUX
easat-9223	74	4	be	be	AUX
easat-9223	74	5	defined	define	VERB
easat-9223	74	6	as	as	ADP
easat-9223	74	7	an	an	DET
easat-9223	74	8	individual	individual	NOUN
easat-9223	74	9	's	's	PART
easat-9223	74	10	lifestyle	lifestyle	NOUN
easat-9223	74	11	pattern	pattern	NOUN
easat-9223	74	12	,	,	PUNCT
easat-9223	74	13	which	which	PRON
easat-9223	74	14	is	be	AUX
easat-9223	74	15	evident	evident	ADJ
easat-9223	74	16	in	in	ADP
easat-9223	74	17	the	the	DET
easat-9223	74	18	manner	manner	NOUN
easat-9223	74	19	in	in	ADP
easat-9223	74	20	which	which	PRON
easat-9223	74	21	they	they	PRON
easat-9223	74	22	allocate	allocate	VERB
easat-9223	74	23	their	their	PRON
easat-9223	74	24	time	time	NOUN
easat-9223	74	25	(	(	PUNCT
easat-9223	74	26	activities	activity	NOUN
easat-9223	74	27	)	)	PUNCT
easat-9223	74	28	,	,	PUNCT
easat-9223	74	29	what	what	PRON
easat-9223	74	30	is	be	AUX
easat-9223	74	31	considered	consider	VERB
easat-9223	74	32	important	important	ADJ
easat-9223	74	33	around	around	ADP
easat-9223	74	34	them	they	PRON
easat-9223	74	35	(	(	PUNCT
easat-9223	74	36	interests	interest	NOUN
easat-9223	74	37	)	)	PUNCT
easat-9223	74	38	,	,	PUNCT
easat-9223	74	39	and	and	CCONJ
easat-9223	74	40	how	how	SCONJ
easat-9223	74	41	the	the	DET
easat-9223	74	42	individual	individual	ADJ
easat-9223	74	43	views	view	VERB
easat-9223	74	44	themselves	themselves	PRON
easat-9223	74	45	and	and	CCONJ
easat-9223	74	46	their	their	PRON
easat-9223	74	47	life	life	NOUN
easat-9223	74	48	(	(	PUNCT
easat-9223	74	49	opinions	opinion	NOUN
easat-9223	74	50	)	)	PUNCT
easat-9223	75	1	[	[	X
easat-9223	75	2	34	34	NUM
easat-9223	75	3	]	]	PUNCT
easat-9223	75	4	.	.	PUNCT
easat-9223	76	1	moreover	moreover	ADV
easat-9223	76	2	,	,	PUNCT
easat-9223	76	3	lifestyle	lifestyle	NOUN
easat-9223	76	4	also	also	ADV
easat-9223	76	5	includes	include	VERB
easat-9223	76	6	behavioral	behavioral	ADJ
easat-9223	76	7	patterns	pattern	NOUN
easat-9223	76	8	,	,	PUNCT
easat-9223	76	9	habits	habit	NOUN
easat-9223	76	10	,	,	PUNCT
easat-9223	76	11	and	and	CCONJ
easat-9223	76	12	individual	individual	ADJ
easat-9223	76	13	choices	choice	NOUN
easat-9223	76	14	that	that	PRON
easat-9223	76	15	reflect	reflect	VERB
easat-9223	76	16	their	their	PRON
easat-9223	76	17	values	value	NOUN
easat-9223	76	18	and	and	CCONJ
easat-9223	76	19	preferences	preference	NOUN
easat-9223	76	20	in	in	ADP
easat-9223	76	21	everyday	everyday	ADJ
easat-9223	76	22	life	life	NOUN
easat-9223	76	23	,	,	PUNCT
easat-9223	76	24	which	which	PRON
easat-9223	76	25	directly	directly	ADV
easat-9223	76	26	influence	influence	VERB
easat-9223	76	27	the	the	DET
easat-9223	76	28	financial	financial	ADJ
easat-9223	76	29	decisions	decision	NOUN
easat-9223	76	30	they	they	PRON
easat-9223	76	31	make	make	VERB
easat-9223	76	32	[	[	PUNCT
easat-9223	76	33	35	35	NUM
easat-9223	76	34	]	]	PUNCT
easat-9223	76	35	.	.	PUNCT
easat-9223	77	1	furthermore	furthermore	ADV
easat-9223	77	2	,	,	PUNCT
easat-9223	77	3	in	in	ADP
easat-9223	77	4	a	a	DET
easat-9223	77	5	financial	financial	ADJ
easat-9223	77	6	context	context	NOUN
easat-9223	77	7	,	,	PUNCT
easat-9223	77	8	lifestyle	lifestyle	NOUN
easat-9223	77	9	includes	include	VERB
easat-9223	77	10	spending	spending	NOUN
easat-9223	77	11	patterns	pattern	NOUN
easat-9223	77	12	,	,	PUNCT
easat-9223	77	13	saving	saving	NOUN
easat-9223	77	14	habits	habit	NOUN
easat-9223	77	15	,	,	PUNCT
easat-9223	77	16	and	and	CCONJ
easat-9223	77	17	individual	individual	ADJ
easat-9223	77	18	investment	investment	NOUN
easat-9223	77	19	decisions	decision	NOUN
easat-9223	77	20	,	,	PUNCT
easat-9223	77	21	which	which	PRON
easat-9223	77	22	are	be	AUX
easat-9223	77	23	often	often	ADV
easat-9223	77	24	influenced	influence	VERB
easat-9223	77	25	by	by	ADP
easat-9223	77	26	social	social	ADJ
easat-9223	77	27	and	and	CCONJ
easat-9223	77	28	cultural	cultural	ADJ
easat-9223	77	29	factors	factor	NOUN
easat-9223	77	30	around	around	ADP
easat-9223	77	31	them	they	PRON
easat-9223	78	1	[	[	X
easat-9223	78	2	36	36	NUM
easat-9223	78	3	]	]	PUNCT
easat-9223	78	4	.	.	PUNCT
easat-9223	79	1	2.6	2.6	NUM
easat-9223	79	2	.	.	PUNCT
easat-9223	79	3	locus	locus	NOUN
easat-9223	79	4	of	of	ADP
easat-9223	79	5	control	control	NOUN
easat-9223	79	6	rotter	rotter	NOUN
easat-9223	79	7	[	[	X
easat-9223	79	8	15	15	NUM
easat-9223	79	9	]	]	X
easat-9223	79	10	a	a	DET
easat-9223	79	11	prominent	prominent	ADJ
easat-9223	79	12	advocate	advocate	NOUN
easat-9223	79	13	of	of	ADP
easat-9223	79	14	social	social	ADJ
easat-9223	79	15	learning	learning	NOUN
easat-9223	79	16	theory	theory	NOUN
easat-9223	79	17	,	,	PUNCT
easat-9223	79	18	introduced	introduce	VERB
easat-9223	79	19	the	the	DET
easat-9223	79	20	concept	concept	NOUN
easat-9223	79	21	of	of	ADP
easat-9223	79	22	locus	locus	NOUN
easat-9223	79	23	of	of	ADP
easat-9223	79	24	control	control	NOUN
easat-9223	79	25	.	.	PUNCT
easat-9223	80	1	this	this	DET
easat-9223	80	2	notion	notion	NOUN
easat-9223	80	3	pertains	pertain	VERB
easat-9223	80	4	to	to	ADP
easat-9223	80	5	an	an	DET
easat-9223	80	6	individual	individual	NOUN
easat-9223	80	7	's	's	PART
easat-9223	80	8	viewpoint	viewpoint	NOUN
easat-9223	80	9	regarding	regard	VERB
easat-9223	80	10	an	an	DET
easat-9223	80	11	event	event	NOUN
easat-9223	80	12	,	,	PUNCT
easat-9223	80	13	specifically	specifically	ADV
easat-9223	80	14	whether	whether	SCONJ
easat-9223	80	15	they	they	PRON
easat-9223	80	16	perceive	perceive	VERB
easat-9223	80	17	that	that	SCONJ
easat-9223	80	18	they	they	PRON
easat-9223	80	19	can	can	AUX
easat-9223	80	20	or	or	CCONJ
easat-9223	80	21	can	can	AUX
easat-9223	80	22	not	not	PART
easat-9223	80	23	affect	affect	VERB
easat-9223	80	24	that	that	DET
easat-9223	80	25	event	event	NOUN
easat-9223	80	26	[	[	X
easat-9223	80	27	4	4	NUM
easat-9223	80	28	]	]	PUNCT
easat-9223	80	29	.	.	PUNCT
easat-9223	81	1	the	the	DET
easat-9223	81	2	extent	extent	NOUN
easat-9223	81	3	to	to	PART
easat-9223	81	4	which	which	PRON
easat-9223	81	5	an	an	DET
easat-9223	81	6	individual	individual	NOUN
easat-9223	81	7	feels	feel	VERB
easat-9223	81	8	they	they	PRON
easat-9223	81	9	have	have	VERB
easat-9223	81	10	control	control	NOUN
easat-9223	81	11	over	over	ADP
easat-9223	81	12	their	their	PRON
easat-9223	81	13	own	own	ADJ
easat-9223	81	14	destiny	destiny	NOUN
easat-9223	81	15	is	be	AUX
easat-9223	81	16	referred	refer	VERB
easat-9223	81	17	to	to	ADP
easat-9223	81	18	as	as	ADP
easat-9223	81	19	their	their	PRON
easat-9223	81	20	locus	locus	NOUN
easat-9223	81	21	of	of	ADP
easat-9223	81	22	control	control	NOUN
easat-9223	81	23	[	[	X
easat-9223	81	24	37	37	NUM
easat-9223	81	25	]	]	PUNCT
easat-9223	81	26	.	.	PUNCT
easat-9223	82	1	this	this	DET
easat-9223	82	2	concept	concept	NOUN
easat-9223	82	3	,	,	PUNCT
easat-9223	82	4	rooted	root	VERB
easat-9223	82	5	in	in	ADP
easat-9223	82	6	social	social	ADJ
easat-9223	82	7	learning	learning	NOUN
easat-9223	82	8	theory	theory	NOUN
easat-9223	82	9	and	and	CCONJ
easat-9223	82	10	developed	develop	VERB
easat-9223	82	11	by	by	ADP
easat-9223	82	12	rotter	rotter	NOUN
easat-9223	82	13	[	[	X
easat-9223	82	14	15	15	NUM
easat-9223	82	15	]	]	PUNCT
easat-9223	82	16	which	which	PRON
easat-9223	82	17	is	be	AUX
easat-9223	82	18	related	relate	VERB
easat-9223	82	19	to	to	ADP
easat-9223	82	20	personality	personality	NOUN
easat-9223	82	21	aspects	aspect	NOUN
easat-9223	82	22	and	and	CCONJ
easat-9223	82	23	reflects	reflect	VERB
easat-9223	82	24	98	98	NUM
easat-9223	82	25	edelweiss	edelweiss	PROPN
easat-9223	82	26	applied	apply	VERB
easat-9223	82	27	science	science	NOUN
easat-9223	82	28	and	and	CCONJ
easat-9223	82	29	technology	technology	NOUN
easat-9223	82	30	issn	issn	PROPN
easat-9223	82	31	:	:	PUNCT
easat-9223	82	32	2576	2576	NUM
easat-9223	82	33	-	-	SYM
easat-9223	82	34	8484	8484	NUM
easat-9223	82	35	vol	vol	NOUN
easat-9223	82	36	.	.	PROPN
easat-9223	82	37	9	9	NUM
easat-9223	82	38	,	,	PUNCT
easat-9223	82	39	no	no	INTJ
easat-9223	82	40	.	.	NOUN
easat-9223	82	41	8	8	NUM
easat-9223	82	42	:	:	SYM
easat-9223	82	43	95	95	NUM
easat-9223	82	44	-	-	SYM
easat-9223	82	45	112	112	NUM
easat-9223	82	46	,	,	PUNCT
easat-9223	82	47	2025	2025	NUM
easat-9223	82	48	doi	doi	NOUN
easat-9223	82	49	:	:	PUNCT
easat-9223	82	50	10.55214/2576	10.55214/2576	NUM
easat-9223	82	51	-	-	PUNCT
easat-9223	82	52	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	82	53	©	©	PROPN
easat-9223	82	54	2025	2025	NUM
easat-9223	82	55	by	by	ADP
easat-9223	82	56	the	the	DET
easat-9223	82	57	authors	author	NOUN
easat-9223	82	58	;	;	PUNCT
easat-9223	82	59	licensee	licensee	PROPN
easat-9223	82	60	learning	learning	NOUN
easat-9223	82	61	gate	gate	VERB
easat-9223	82	62	a	a	DET
easat-9223	82	63	person	person	NOUN
easat-9223	82	64	’s	’s	PART
easat-9223	82	65	general	general	ADJ
easat-9223	82	66	expectations	expectation	NOUN
easat-9223	82	67	regarding	regard	VERB
easat-9223	82	68	the	the	DET
easat-9223	82	69	factors	factor	NOUN
easat-9223	82	70	that	that	PRON
easat-9223	82	71	influence	influence	VERB
easat-9223	82	72	success	success	NOUN
easat-9223	82	73	,	,	PUNCT
easat-9223	82	74	rewards	reward	NOUN
easat-9223	82	75	,	,	PUNCT
easat-9223	82	76	or	or	CCONJ
easat-9223	82	77	punishment	punishment	NOUN
easat-9223	82	78	in	in	ADP
easat-9223	82	79	their	their	PRON
easat-9223	82	80	life	life	NOUN
easat-9223	82	81	[	[	X
easat-9223	82	82	38	38	NUM
easat-9223	82	83	]	]	PUNCT
easat-9223	82	84	.	.	PUNCT
easat-9223	83	1	2.7	2.7	NUM
easat-9223	83	2	.	.	PUNCT
easat-9223	83	3	research	research	NOUN
easat-9223	83	4	model	model	NOUN
easat-9223	83	5	figure	figure	NOUN
easat-9223	83	6	1	1	NUM
easat-9223	83	7	illustrates	illustrate	VERB
easat-9223	83	8	the	the	DET
easat-9223	83	9	influence	influence	NOUN
easat-9223	83	10	of	of	ADP
easat-9223	83	11	financial	financial	ADJ
easat-9223	83	12	literacy	literacy	NOUN
easat-9223	83	13	(	(	PUNCT
easat-9223	83	14	x1	x1	PROPN
easat-9223	83	15	)	)	PUNCT
easat-9223	83	16	,	,	PUNCT
easat-9223	83	17	financial	financial	ADJ
easat-9223	83	18	attitude	attitude	NOUN
easat-9223	83	19	(	(	PUNCT
easat-9223	83	20	x2	x2	NOUN
easat-9223	83	21	)	)	PUNCT
easat-9223	83	22	,	,	PUNCT
easat-9223	83	23	and	and	CCONJ
easat-9223	83	24	lifestyle	lifestyle	NOUN
easat-9223	83	25	(	(	PUNCT
easat-9223	83	26	x3	x3	ADJ
easat-9223	83	27	)	)	PUNCT
easat-9223	83	28	on	on	ADP
easat-9223	83	29	financial	financial	ADJ
easat-9223	83	30	management	management	NOUN
easat-9223	83	31	behavior	behavior	NOUN
easat-9223	83	32	(	(	PUNCT
easat-9223	83	33	y	y	NOUN
easat-9223	83	34	)	)	PUNCT
easat-9223	83	35	in	in	ADP
easat-9223	83	36	the	the	DET
easat-9223	83	37	context	context	NOUN
easat-9223	83	38	of	of	ADP
easat-9223	83	39	paylater	paylater	NOUN
easat-9223	83	40	usage	usage	NOUN
easat-9223	83	41	among	among	ADP
easat-9223	83	42	generation	generation	NOUN
easat-9223	83	43	z.	z.	PROPN
easat-9223	83	44	in	in	ADP
easat-9223	83	45	this	this	DET
easat-9223	83	46	model	model	NOUN
easat-9223	83	47	,	,	PUNCT
easat-9223	83	48	locus	locus	NOUN
easat-9223	83	49	of	of	ADP
easat-9223	83	50	control	control	NOUN
easat-9223	83	51	(	(	PUNCT
easat-9223	83	52	m	m	NOUN
easat-9223	83	53	)	)	PUNCT
easat-9223	83	54	,	,	PUNCT
easat-9223	83	55	which	which	PRON
easat-9223	83	56	serves	serve	VERB
easat-9223	83	57	as	as	ADP
easat-9223	83	58	a	a	DET
easat-9223	83	59	moderating	moderate	VERB
easat-9223	83	60	variable	variable	NOUN
easat-9223	83	61	within	within	ADP
easat-9223	83	62	this	this	DET
easat-9223	83	63	framework	framework	NOUN
easat-9223	83	64	,	,	PUNCT
easat-9223	83	65	can	can	AUX
easat-9223	83	66	either	either	CCONJ
easat-9223	83	67	enhance	enhance	VERB
easat-9223	83	68	or	or	CCONJ
easat-9223	83	69	diminish	diminish	VERB
easat-9223	83	70	the	the	DET
easat-9223	83	71	connection	connection	NOUN
easat-9223	83	72	between	between	ADP
easat-9223	83	73	the	the	DET
easat-9223	83	74	independent	independent	ADJ
easat-9223	83	75	variables	variable	NOUN
easat-9223	83	76	and	and	CCONJ
easat-9223	83	77	financial	financial	ADJ
easat-9223	83	78	management	management	NOUN
easat-9223	83	79	practices	practice	NOUN
easat-9223	83	80	.	.	PUNCT
easat-9223	84	1	the	the	DET
easat-9223	84	2	primary	primary	ADJ
easat-9223	84	3	objective	objective	NOUN
easat-9223	84	4	of	of	ADP
easat-9223	84	5	the	the	DET
easat-9223	84	6	model	model	NOUN
easat-9223	84	7	is	be	AUX
easat-9223	84	8	to	to	PART
easat-9223	84	9	understand	understand	VERB
easat-9223	84	10	how	how	SCONJ
easat-9223	84	11	different	different	ADJ
easat-9223	84	12	internal	internal	ADJ
easat-9223	84	13	and	and	CCONJ
easat-9223	84	14	external	external	ADJ
easat-9223	84	15	factors	factor	NOUN
easat-9223	84	16	influence	influence	VERB
easat-9223	84	17	effective	effective	ADJ
easat-9223	84	18	money	money	NOUN
easat-9223	84	19	management	management	NOUN
easat-9223	84	20	within	within	ADP
easat-9223	84	21	the	the	DET
easat-9223	84	22	realm	realm	NOUN
easat-9223	84	23	of	of	ADP
easat-9223	84	24	digital	digital	ADJ
easat-9223	84	25	credit	credit	NOUN
easat-9223	84	26	.	.	PUNCT
easat-9223	85	1	figure	figure	NOUN
easat-9223	85	2	1	1	NUM
easat-9223	85	3	.	.	PUNCT
easat-9223	85	4	research	research	NOUN
easat-9223	85	5	model	model	NOUN
easat-9223	85	6	.	.	PUNCT
easat-9223	86	1	2.8	2.8	NUM
easat-9223	86	2	.	.	PUNCT
easat-9223	86	3	hypothesis	hypothesis	NOUN
easat-9223	86	4	development	development	NOUN
easat-9223	86	5	2.8.1	2.8.1	NUM
easat-9223	86	6	.	.	PUNCT
easat-9223	87	1	the	the	DET
easat-9223	87	2	influence	influence	NOUN
easat-9223	87	3	of	of	ADP
easat-9223	87	4	financial	financial	ADJ
easat-9223	87	5	literacy	literacy	NOUN
easat-9223	87	6	on	on	ADP
easat-9223	87	7	financial	financial	ADJ
easat-9223	87	8	management	management	NOUN
easat-9223	87	9	behavior	behavior	NOUN
easat-9223	87	10	financial	financial	ADJ
easat-9223	87	11	literacy	literacy	NOUN
easat-9223	87	12	acquired	acquire	VERB
easat-9223	87	13	through	through	ADP
easat-9223	87	14	formal	formal	ADJ
easat-9223	87	15	education	education	NOUN
easat-9223	87	16	enhances	enhance	VERB
easat-9223	87	17	generation	generation	NOUN
easat-9223	87	18	z	z	NOUN
easat-9223	87	19	's	's	PART
easat-9223	87	20	capability	capability	NOUN
easat-9223	87	21	and	and	CCONJ
easat-9223	87	22	understanding	understanding	NOUN
easat-9223	87	23	in	in	ADP
easat-9223	87	24	financial	financial	ADJ
easat-9223	87	25	management	management	NOUN
easat-9223	87	26	,	,	PUNCT
easat-9223	87	27	which	which	PRON
easat-9223	87	28	subsequently	subsequently	ADV
easat-9223	87	29	leads	lead	VERB
easat-9223	87	30	to	to	ADP
easat-9223	87	31	improved	improve	VERB
easat-9223	87	32	financial	financial	ADJ
easat-9223	87	33	management	management	NOUN
easat-9223	87	34	behavior	behavior	NOUN
easat-9223	87	35	patterns	pattern	NOUN
easat-9223	87	36	[	[	X
easat-9223	87	37	39	39	NUM
easat-9223	87	38	]	]	PUNCT
easat-9223	87	39	.	.	PUNCT
easat-9223	88	1	individuals	individual	NOUN
easat-9223	88	2	possessing	possess	VERB
easat-9223	88	3	higher	high	ADJ
easat-9223	88	4	levels	level	NOUN
easat-9223	88	5	of	of	ADP
easat-9223	88	6	financial	financial	ADJ
easat-9223	88	7	literacy	literacy	NOUN
easat-9223	88	8	are	be	AUX
easat-9223	88	9	more	more	ADV
easat-9223	88	10	adept	adept	ADJ
easat-9223	88	11	at	at	ADP
easat-9223	88	12	managing	manage	VERB
easat-9223	88	13	their	their	PRON
easat-9223	88	14	resources	resource	NOUN
easat-9223	88	15	,	,	PUNCT
easat-9223	88	16	particularly	particularly	ADV
easat-9223	88	17	during	during	ADP
easat-9223	88	18	periods	period	NOUN
easat-9223	88	19	of	of	ADP
easat-9223	88	20	financial	financial	ADJ
easat-9223	88	21	uncertainty	uncertainty	NOUN
easat-9223	88	22	[	[	X
easat-9223	88	23	40	40	NUM
easat-9223	88	24	]	]	PUNCT
easat-9223	88	25	.	.	PUNCT
easat-9223	89	1	this	this	PRON
easat-9223	89	2	can	can	AUX
easat-9223	89	3	reduce	reduce	VERB
easat-9223	89	4	financial	financial	ADJ
easat-9223	89	5	turmoil	turmoil	NOUN
easat-9223	89	6	while	while	SCONJ
easat-9223	89	7	promoting	promote	VERB
easat-9223	89	8	overall	overall	ADJ
easat-9223	89	9	financial	financial	ADJ
easat-9223	89	10	health	health	NOUN
easat-9223	89	11	.	.	PUNCT
easat-9223	90	1	based	base	VERB
easat-9223	90	2	on	on	ADP
easat-9223	90	3	these	these	DET
easat-9223	90	4	research	research	NOUN
easat-9223	90	5	results	result	NOUN
easat-9223	90	6	,	,	PUNCT
easat-9223	90	7	we	we	PRON
easat-9223	90	8	try	try	VERB
easat-9223	90	9	to	to	PART
easat-9223	90	10	explore	explore	VERB
easat-9223	90	11	further	far	ADV
easat-9223	90	12	how	how	SCONJ
easat-9223	90	13	financial	financial	ADJ
easat-9223	90	14	literacy	literacy	NOUN
easat-9223	90	15	can	can	AUX
easat-9223	90	16	influence	influence	VERB
easat-9223	90	17	financial	financial	ADJ
easat-9223	90	18	behavior	behavior	NOUN
easat-9223	90	19	in	in	ADP
easat-9223	90	20	affecting	affect	VERB
easat-9223	90	21	paylater	paylater	NOUN
easat-9223	90	22	user	user	NOUN
easat-9223	90	23	decisions	decision	NOUN
easat-9223	90	24	.	.	PUNCT
easat-9223	91	1	consequently	consequently	ADV
easat-9223	91	2	,	,	PUNCT
easat-9223	91	3	from	from	ADP
easat-9223	91	4	the	the	DET
easat-9223	91	5	preceding	precede	VERB
easat-9223	91	6	discussion	discussion	NOUN
easat-9223	91	7	,	,	PUNCT
easat-9223	91	8	it	it	PRON
easat-9223	91	9	can	can	AUX
easat-9223	91	10	be	be	AUX
easat-9223	91	11	inferred	infer	VERB
easat-9223	91	12	that	that	SCONJ
easat-9223	91	13	financial	financial	ADJ
easat-9223	91	14	literacy	literacy	NOUN
easat-9223	91	15	significantly	significantly	ADV
easat-9223	91	16	influences	influence	VERB
easat-9223	91	17	an	an	DET
easat-9223	91	18	individual	individual	NOUN
easat-9223	91	19	's	's	PART
easat-9223	91	20	financial	financial	ADJ
easat-9223	91	21	management	management	NOUN
easat-9223	91	22	practices	practice	NOUN
easat-9223	91	23	,	,	PUNCT
easat-9223	91	24	the	the	DET
easat-9223	91	25	following	follow	VERB
easat-9223	91	26	hypothesis	hypothesis	NOUN
easat-9223	91	27	can	can	AUX
easat-9223	91	28	be	be	AUX
easat-9223	91	29	put	put	VERB
easat-9223	91	30	forward	forward	ADV
easat-9223	91	31	based	base	VERB
easat-9223	91	32	on	on	ADP
easat-9223	91	33	these	these	DET
easat-9223	91	34	results	result	NOUN
easat-9223	91	35	:	:	PUNCT
easat-9223	91	36	h1	h1	VERB
easat-9223	91	37	:	:	PUNCT
easat-9223	91	38	“	"	PUNCT
easat-9223	91	39	financial	financial	ADJ
easat-9223	91	40	literacy	literacy	NOUN
easat-9223	91	41	has	have	VERB
easat-9223	91	42	a	a	DET
easat-9223	91	43	positive	positive	ADJ
easat-9223	91	44	influence	influence	NOUN
easat-9223	91	45	on	on	ADP
easat-9223	91	46	financial	financial	ADJ
easat-9223	91	47	management	management	NOUN
easat-9223	91	48	behavior	behavior	NOUN
easat-9223	91	49	,	,	PUNCT
easat-9223	91	50	particularly	particularly	ADV
easat-9223	91	51	in	in	ADP
easat-9223	91	52	the	the	DET
easat-9223	91	53	use	use	NOUN
easat-9223	91	54	of	of	ADP
easat-9223	91	55	paylater	paylater	NOUN
easat-9223	91	56	among	among	ADP
easat-9223	91	57	generation	generation	NOUN
easat-9223	91	58	z.	z.	PROPN
easat-9223	91	59	”	"	PUNCT
easat-9223	91	60	99	99	NUM
easat-9223	91	61	edelweiss	edelweiss	PROPN
easat-9223	91	62	applied	apply	VERB
easat-9223	91	63	science	science	NOUN
easat-9223	91	64	and	and	CCONJ
easat-9223	91	65	technology	technology	NOUN
easat-9223	91	66	issn	issn	PROPN
easat-9223	91	67	:	:	PUNCT
easat-9223	91	68	2576	2576	NUM
easat-9223	91	69	-	-	SYM
easat-9223	91	70	8484	8484	NUM
easat-9223	91	71	vol	vol	NOUN
easat-9223	91	72	.	.	PROPN
easat-9223	92	1	9	9	NUM
easat-9223	92	2	,	,	PUNCT
easat-9223	92	3	no	no	INTJ
easat-9223	92	4	.	.	NOUN
easat-9223	92	5	8	8	NUM
easat-9223	92	6	:	:	SYM
easat-9223	92	7	95	95	NUM
easat-9223	92	8	-	-	SYM
easat-9223	92	9	112	112	NUM
easat-9223	92	10	,	,	PUNCT
easat-9223	92	11	2025	2025	NUM
easat-9223	92	12	doi	doi	NOUN
easat-9223	92	13	:	:	PUNCT
easat-9223	92	14	10.55214/2576	10.55214/2576	NUM
easat-9223	92	15	-	-	PUNCT
easat-9223	92	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	92	17	©	©	PROPN
easat-9223	92	18	2025	2025	NUM
easat-9223	92	19	by	by	ADP
easat-9223	92	20	the	the	DET
easat-9223	92	21	authors	author	NOUN
easat-9223	92	22	;	;	PUNCT
easat-9223	93	1	licensee	licensee	NOUN
easat-9223	93	2	learning	learn	VERB
easat-9223	93	3	gate	gate	NOUN
easat-9223	93	4	2.8.2	2.8.2	PROPN
easat-9223	93	5	.	.	PUNCT
easat-9223	94	1	the	the	DET
easat-9223	94	2	influence	influence	NOUN
easat-9223	94	3	of	of	ADP
easat-9223	94	4	financial	financial	ADJ
easat-9223	94	5	attitude	attitude	NOUN
easat-9223	94	6	on	on	ADP
easat-9223	94	7	financial	financial	ADJ
easat-9223	94	8	management	management	NOUN
easat-9223	94	9	behavior	behavior	NOUN
easat-9223	94	10	the	the	DET
easat-9223	94	11	financial	financial	ADJ
easat-9223	94	12	attitude	attitude	NOUN
easat-9223	94	13	serves	serve	VERB
easat-9223	94	14	as	as	ADP
easat-9223	94	15	a	a	DET
easat-9223	94	16	crucial	crucial	ADJ
easat-9223	94	17	factor	factor	NOUN
easat-9223	94	18	influencing	influence	VERB
easat-9223	94	19	financial	financial	ADJ
easat-9223	94	20	management	management	NOUN
easat-9223	94	21	behavior	behavior	NOUN
easat-9223	94	22	,	,	PUNCT
easat-9223	94	23	particularly	particularly	ADV
easat-9223	94	24	within	within	ADP
easat-9223	94	25	the	the	DET
easat-9223	94	26	framework	framework	NOUN
easat-9223	94	27	of	of	ADP
easat-9223	94	28	locus	locus	NOUN
easat-9223	94	29	of	of	ADP
easat-9223	94	30	control	control	NOUN
easat-9223	94	31	,	,	PUNCT
easat-9223	94	32	which	which	PRON
easat-9223	94	33	may	may	AUX
easat-9223	94	34	moderate	moderate	VERB
easat-9223	94	35	its	its	PRON
easat-9223	94	36	effects	effect	NOUN
easat-9223	94	37	[	[	X
easat-9223	94	38	41	41	NUM
easat-9223	94	39	]	]	PUNCT
easat-9223	94	40	.	.	PUNCT
easat-9223	95	1	furthermore	furthermore	ADV
easat-9223	95	2	,	,	PUNCT
easat-9223	95	3	additional	additional	ADJ
easat-9223	95	4	evidence	evidence	NOUN
easat-9223	95	5	indicates	indicate	VERB
easat-9223	95	6	that	that	SCONJ
easat-9223	95	7	individuals	individual	NOUN
easat-9223	95	8	are	be	AUX
easat-9223	95	9	more	more	ADV
easat-9223	95	10	inclined	inclined	ADJ
easat-9223	95	11	to	to	PART
easat-9223	95	12	engage	engage	VERB
easat-9223	95	13	in	in	ADP
easat-9223	95	14	responsible	responsible	ADJ
easat-9223	95	15	financial	financial	ADJ
easat-9223	95	16	management	management	NOUN
easat-9223	95	17	when	when	SCONJ
easat-9223	95	18	they	they	PRON
easat-9223	95	19	maintain	maintain	VERB
easat-9223	95	20	a	a	DET
easat-9223	95	21	positive	positive	ADJ
easat-9223	95	22	financial	financial	ADJ
easat-9223	95	23	outlook	outlook	NOUN
easat-9223	96	1	[	[	X
easat-9223	96	2	42	42	NUM
easat-9223	96	3	]	]	PUNCT
easat-9223	96	4	.	.	PUNCT
easat-9223	97	1	this	this	PRON
easat-9223	97	2	illustrates	illustrate	VERB
easat-9223	97	3	how	how	SCONJ
easat-9223	97	4	cultivating	cultivate	VERB
easat-9223	97	5	a	a	DET
easat-9223	97	6	constructive	constructive	ADJ
easat-9223	97	7	financial	financial	ADJ
easat-9223	97	8	mindset	mindset	NOUN
easat-9223	97	9	via	via	ADP
easat-9223	97	10	education	education	NOUN
easat-9223	97	11	and	and	CCONJ
easat-9223	97	12	social	social	ADJ
easat-9223	97	13	interaction	interaction	NOUN
easat-9223	97	14	can	can	AUX
easat-9223	97	15	assist	assist	VERB
easat-9223	97	16	generation	generation	NOUN
easat-9223	97	17	z	z	NOUN
easat-9223	97	18	in	in	ADP
easat-9223	97	19	managing	manage	VERB
easat-9223	97	20	their	their	PRON
easat-9223	97	21	finances	finance	NOUN
easat-9223	97	22	more	more	ADV
easat-9223	97	23	judiciously	judiciously	ADV
easat-9223	97	24	,	,	PUNCT
easat-9223	97	25	especially	especially	ADV
easat-9223	97	26	regarding	regard	VERB
easat-9223	97	27	the	the	DET
easat-9223	97	28	use	use	NOUN
easat-9223	97	29	of	of	ADP
easat-9223	97	30	the	the	DET
easat-9223	97	31	increasingly	increasingly	ADV
easat-9223	97	32	prevalent	prevalent	ADJ
easat-9223	97	33	digital	digital	ADJ
easat-9223	97	34	credit	credit	NOUN
easat-9223	97	35	services	service	NOUN
easat-9223	97	36	.	.	PUNCT
easat-9223	98	1	therefore	therefore	ADV
easat-9223	98	2	,	,	PUNCT
easat-9223	98	3	the	the	DET
easat-9223	98	4	subsequent	subsequent	ADJ
easat-9223	98	5	theory	theory	NOUN
easat-9223	98	6	can	can	AUX
easat-9223	98	7	be	be	AUX
easat-9223	98	8	proposed	propose	VERB
easat-9223	98	9	based	base	VERB
easat-9223	98	10	on	on	ADP
easat-9223	98	11	these	these	DET
easat-9223	98	12	observations	observation	NOUN
easat-9223	98	13	:	:	PUNCT
easat-9223	98	14	h2	h2	NOUN
easat-9223	98	15	:	:	PUNCT
easat-9223	98	16	“	"	PUNCT
easat-9223	98	17	financial	financial	ADJ
easat-9223	98	18	attitude	attitude	NOUN
easat-9223	98	19	has	have	VERB
easat-9223	98	20	a	a	DET
easat-9223	98	21	positive	positive	ADJ
easat-9223	98	22	influence	influence	NOUN
easat-9223	98	23	on	on	ADP
easat-9223	98	24	financial	financial	ADJ
easat-9223	98	25	management	management	NOUN
easat-9223	98	26	behavior	behavior	NOUN
easat-9223	98	27	,	,	PUNCT
easat-9223	98	28	particularly	particularly	ADV
easat-9223	98	29	in	in	ADP
easat-9223	98	30	the	the	DET
easat-9223	98	31	use	use	NOUN
easat-9223	98	32	of	of	ADP
easat-9223	98	33	paylater	paylater	NOUN
easat-9223	98	34	among	among	ADP
easat-9223	98	35	generation	generation	NOUN
easat-9223	98	36	z.	z.	PROPN
easat-9223	98	37	”	"	PUNCT
easat-9223	98	38	2.8.3	2.8.3	NUM
easat-9223	98	39	.	.	PUNCT
easat-9223	99	1	the	the	DET
easat-9223	99	2	influence	influence	NOUN
easat-9223	99	3	of	of	ADP
easat-9223	99	4	lifestyle	lifestyle	NOUN
easat-9223	99	5	on	on	ADP
easat-9223	99	6	financial	financial	ADJ
easat-9223	99	7	management	management	NOUN
easat-9223	99	8	behavior	behavior	NOUN
easat-9223	99	9	a	a	DET
easat-9223	99	10	lifestyle	lifestyle	NOUN
easat-9223	99	11	centered	center	VERB
easat-9223	99	12	around	around	ADP
easat-9223	99	13	hedonism	hedonism	NOUN
easat-9223	99	14	can	can	AUX
easat-9223	99	15	impact	impact	VERB
easat-9223	99	16	an	an	DET
easat-9223	99	17	individual	individual	NOUN
easat-9223	99	18	's	's	PART
easat-9223	99	19	financial	financial	ADJ
easat-9223	99	20	choices	choice	NOUN
easat-9223	99	21	,	,	PUNCT
easat-9223	99	22	particularly	particularly	ADV
easat-9223	99	23	regarding	regard	VERB
easat-9223	99	24	the	the	DET
easat-9223	99	25	utilization	utilization	NOUN
easat-9223	99	26	of	of	ADP
easat-9223	99	27	paylater	paylater	NOUN
easat-9223	99	28	services	service	NOUN
easat-9223	99	29	[	[	X
easat-9223	99	30	43	43	NUM
easat-9223	99	31	]	]	PUNCT
easat-9223	99	32	.	.	PUNCT
easat-9223	100	1	conversely	conversely	ADV
easat-9223	100	2	,	,	PUNCT
easat-9223	100	3	it	it	PRON
easat-9223	100	4	has	have	AUX
easat-9223	100	5	been	be	AUX
easat-9223	100	6	noted	note	VERB
easat-9223	100	7	that	that	SCONJ
easat-9223	100	8	students	student	NOUN
easat-9223	100	9	exhibiting	exhibit	VERB
easat-9223	100	10	positive	positive	ADJ
easat-9223	100	11	financial	financial	ADJ
easat-9223	100	12	attitudes	attitude	NOUN
easat-9223	100	13	are	be	AUX
easat-9223	100	14	more	more	ADV
easat-9223	100	15	likely	likely	ADJ
easat-9223	100	16	to	to	PART
easat-9223	100	17	demonstrate	demonstrate	VERB
easat-9223	100	18	prudent	prudent	ADJ
easat-9223	100	19	financial	financial	ADJ
easat-9223	100	20	management	management	NOUN
easat-9223	100	21	behaviors	behavior	NOUN
easat-9223	100	22	,	,	PUNCT
easat-9223	100	23	suggesting	suggest	VERB
easat-9223	100	24	that	that	SCONJ
easat-9223	100	25	lifestyle	lifestyle	NOUN
easat-9223	100	26	can	can	AUX
easat-9223	100	27	act	act	VERB
easat-9223	100	28	as	as	ADP
easat-9223	100	29	a	a	DET
easat-9223	100	30	motivating	motivating	NOUN
easat-9223	100	31	factor	factor	NOUN
easat-9223	100	32	in	in	ADP
easat-9223	100	33	financial	financial	ADJ
easat-9223	100	34	management	management	NOUN
easat-9223	100	35	practices	practice	NOUN
easat-9223	100	36	[	[	X
easat-9223	100	37	44	44	NUM
easat-9223	100	38	]	]	PUNCT
easat-9223	100	39	.	.	PUNCT
easat-9223	101	1	based	base	VERB
easat-9223	101	2	on	on	ADP
easat-9223	101	3	these	these	DET
easat-9223	101	4	studies	study	NOUN
easat-9223	101	5	,	,	PUNCT
easat-9223	101	6	understanding	understand	VERB
easat-9223	101	7	lifestyle	lifestyle	NOUN
easat-9223	101	8	can	can	AUX
easat-9223	101	9	help	help	VERB
easat-9223	101	10	predict	predict	VERB
easat-9223	101	11	how	how	SCONJ
easat-9223	101	12	generation	generation	NOUN
easat-9223	101	13	z	z	NOUN
easat-9223	101	14	manages	manage	VERB
easat-9223	101	15	their	their	PRON
easat-9223	101	16	finances	finance	NOUN
easat-9223	101	17	,	,	PUNCT
easat-9223	101	18	especially	especially	ADV
easat-9223	101	19	in	in	ADP
easat-9223	101	20	the	the	DET
easat-9223	101	21	context	context	NOUN
easat-9223	101	22	of	of	ADP
easat-9223	101	23	paylater	paylater	NOUN
easat-9223	101	24	usage	usage	NOUN
easat-9223	101	25	.	.	PUNCT
easat-9223	102	1	this	this	PRON
easat-9223	102	2	indicates	indicate	VERB
easat-9223	102	3	that	that	SCONJ
easat-9223	102	4	a	a	DET
easat-9223	102	5	more	more	ADV
easat-9223	102	6	planned	planned	ADJ
easat-9223	102	7	and	and	CCONJ
easat-9223	102	8	responsible	responsible	ADJ
easat-9223	102	9	lifestyle	lifestyle	NOUN
easat-9223	102	10	has	have	VERB
easat-9223	102	11	the	the	DET
easat-9223	102	12	potential	potential	NOUN
easat-9223	102	13	to	to	PART
easat-9223	102	14	promote	promote	VERB
easat-9223	102	15	better	well	ADJ
easat-9223	102	16	financial	financial	ADJ
easat-9223	102	17	management	management	NOUN
easat-9223	102	18	,	,	PUNCT
easat-9223	102	19	allowing	allow	VERB
easat-9223	102	20	individuals	individual	NOUN
easat-9223	102	21	to	to	PART
easat-9223	102	22	make	make	VERB
easat-9223	102	23	wiser	wise	ADJ
easat-9223	102	24	decisions	decision	NOUN
easat-9223	102	25	in	in	ADP
easat-9223	102	26	using	use	VERB
easat-9223	102	27	digital	digital	ADJ
easat-9223	102	28	credit	credit	NOUN
easat-9223	102	29	services	service	NOUN
easat-9223	102	30	such	such	ADJ
easat-9223	102	31	as	as	ADP
easat-9223	102	32	paylater	paylater	NOUN
easat-9223	102	33	.	.	PUNCT
easat-9223	103	1	consequently	consequently	ADV
easat-9223	103	2	,	,	PUNCT
easat-9223	103	3	the	the	DET
easat-9223	103	4	following	follow	VERB
easat-9223	103	5	hypothesis	hypothesis	NOUN
easat-9223	103	6	can	can	AUX
easat-9223	103	7	be	be	AUX
easat-9223	103	8	put	put	VERB
easat-9223	103	9	forward	forward	ADV
easat-9223	103	10	based	base	VERB
easat-9223	103	11	on	on	ADP
easat-9223	103	12	these	these	DET
easat-9223	103	13	results	result	NOUN
easat-9223	103	14	:	:	PUNCT
easat-9223	103	15	h3	h3	VERB
easat-9223	103	16	:	:	PUNCT
easat-9223	103	17	“	"	PUNCT
easat-9223	103	18	lifestyle	lifestyle	NOUN
easat-9223	103	19	has	have	AUX
easat-9223	103	20	a	a	DET
easat-9223	103	21	positive	positive	ADJ
easat-9223	103	22	influence	influence	NOUN
easat-9223	103	23	on	on	ADP
easat-9223	103	24	financial	financial	ADJ
easat-9223	103	25	management	management	NOUN
easat-9223	103	26	behavior	behavior	NOUN
easat-9223	103	27	,	,	PUNCT
easat-9223	103	28	particularly	particularly	ADV
easat-9223	103	29	in	in	ADP
easat-9223	103	30	the	the	DET
easat-9223	103	31	use	use	NOUN
easat-9223	103	32	of	of	ADP
easat-9223	103	33	paylater	paylater	NOUN
easat-9223	103	34	among	among	ADP
easat-9223	103	35	generation	generation	NOUN
easat-9223	103	36	z.	z.	PROPN
easat-9223	103	37	”	"	PUNCT
easat-9223	104	1	2.8.4	2.8.4	NUM
easat-9223	104	2	.	.	PUNCT
easat-9223	105	1	the	the	DET
easat-9223	105	2	influence	influence	NOUN
easat-9223	105	3	of	of	ADP
easat-9223	105	4	financial	financial	ADJ
easat-9223	105	5	literacy	literacy	NOUN
easat-9223	105	6	on	on	ADP
easat-9223	105	7	financial	financial	ADJ
easat-9223	105	8	management	management	NOUN
easat-9223	105	9	behavior	behavior	NOUN
easat-9223	105	10	with	with	ADP
easat-9223	105	11	locus	locus	NOUN
easat-9223	105	12	of	of	ADP
easat-9223	105	13	control	control	NOUN
easat-9223	105	14	as	as	ADP
easat-9223	105	15	a	a	DET
easat-9223	105	16	moderating	moderate	VERB
easat-9223	105	17	variable	variable	NOUN
easat-9223	105	18	an	an	DET
easat-9223	105	19	individual	individual	NOUN
easat-9223	105	20	's	's	PART
easat-9223	105	21	approach	approach	NOUN
easat-9223	105	22	to	to	ADP
easat-9223	105	23	financial	financial	ADJ
easat-9223	105	24	management	management	NOUN
easat-9223	105	25	is	be	AUX
easat-9223	105	26	significantly	significantly	ADV
easat-9223	105	27	shaped	shape	VERB
easat-9223	105	28	by	by	ADP
easat-9223	105	29	their	their	PRON
easat-9223	105	30	degree	degree	NOUN
easat-9223	105	31	of	of	ADP
easat-9223	105	32	financial	financial	ADJ
easat-9223	105	33	literacy	literacy	NOUN
easat-9223	105	34	,	,	PUNCT
easat-9223	105	35	encompassing	encompass	VERB
easat-9223	105	36	the	the	DET
easat-9223	105	37	comprehension	comprehension	NOUN
easat-9223	105	38	and	and	CCONJ
easat-9223	105	39	knowledge	knowledge	NOUN
easat-9223	105	40	required	require	VERB
easat-9223	105	41	for	for	ADP
easat-9223	105	42	making	make	VERB
easat-9223	105	43	prudent	prudent	ADJ
easat-9223	105	44	financial	financial	ADJ
easat-9223	105	45	choices	choice	NOUN
easat-9223	105	46	[	[	X
easat-9223	105	47	45	45	NUM
easat-9223	105	48	]	]	PUNCT
easat-9223	105	49	.	.	PUNCT
easat-9223	106	1	additionally	additionally	ADV
easat-9223	106	2	,	,	PUNCT
easat-9223	106	3	another	another	DET
easat-9223	106	4	research	research	NOUN
easat-9223	106	5	supports	support	VERB
easat-9223	106	6	the	the	DET
easat-9223	106	7	notion	notion	NOUN
easat-9223	106	8	that	that	SCONJ
easat-9223	106	9	locus	locus	NOUN
easat-9223	106	10	of	of	ADP
easat-9223	106	11	control	control	NOUN
easat-9223	106	12	,	,	PUNCT
easat-9223	106	13	which	which	PRON
easat-9223	106	14	serves	serve	VERB
easat-9223	106	15	as	as	ADP
easat-9223	106	16	a	a	DET
easat-9223	106	17	moderating	moderating	NOUN
easat-9223	106	18	element	element	NOUN
easat-9223	106	19	in	in	ADP
easat-9223	106	20	financial	financial	ADJ
easat-9223	106	21	management	management	NOUN
easat-9223	106	22	behavior	behavior	NOUN
easat-9223	106	23	,	,	PUNCT
easat-9223	106	24	is	be	AUX
easat-9223	106	25	associated	associate	VERB
easat-9223	106	26	with	with	ADP
easat-9223	106	27	financial	financial	ADJ
easat-9223	106	28	literacy	literacy	NOUN
easat-9223	106	29	[	[	X
easat-9223	106	30	46	46	NUM
easat-9223	106	31	]	]	PUNCT
easat-9223	106	32	.	.	PUNCT
easat-9223	107	1	enhanced	enhanced	ADJ
easat-9223	107	2	financial	financial	ADJ
easat-9223	107	3	practices	practice	NOUN
easat-9223	107	4	may	may	AUX
easat-9223	107	5	be	be	AUX
easat-9223	107	6	fostered	foster	VERB
easat-9223	107	7	by	by	ADP
easat-9223	107	8	a	a	DET
easat-9223	107	9	favorable	favorable	ADJ
easat-9223	107	10	locus	locus	NOUN
easat-9223	107	11	of	of	ADP
easat-9223	107	12	control	control	NOUN
easat-9223	107	13	,	,	PUNCT
easat-9223	107	14	which	which	PRON
easat-9223	107	15	can	can	AUX
easat-9223	107	16	elevate	elevate	VERB
easat-9223	107	17	an	an	DET
easat-9223	107	18	individual	individual	NOUN
easat-9223	107	19	's	's	PART
easat-9223	107	20	self	self	NOUN
easat-9223	107	21	-	-	PUNCT
easat-9223	107	22	assurance	assurance	NOUN
easat-9223	107	23	in	in	ADP
easat-9223	107	24	handling	handle	VERB
easat-9223	107	25	their	their	PRON
easat-9223	107	26	finances	finance	NOUN
easat-9223	107	27	.	.	PUNCT
easat-9223	108	1	this	this	PRON
easat-9223	108	2	indicates	indicate	VERB
easat-9223	108	3	that	that	SCONJ
easat-9223	108	4	financial	financial	ADJ
easat-9223	108	5	literacy	literacy	NOUN
easat-9223	108	6	can	can	AUX
easat-9223	108	7	improve	improve	VERB
easat-9223	108	8	financial	financial	ADJ
easat-9223	108	9	management	management	NOUN
easat-9223	108	10	by	by	ADP
easat-9223	108	11	taking	take	VERB
easat-9223	108	12	advantage	advantage	NOUN
easat-9223	108	13	of	of	ADP
easat-9223	108	14	locus	locus	NOUN
easat-9223	108	15	of	of	ADP
easat-9223	108	16	control	control	NOUN
easat-9223	108	17	's	's	PART
easat-9223	108	18	strategic	strategic	ADJ
easat-9223	108	19	effects	effect	NOUN
easat-9223	108	20	:	:	PUNCT
easat-9223	108	21	h4	h4	NOUN
easat-9223	108	22	:	:	PUNCT
easat-9223	108	23	“	"	PUNCT
easat-9223	108	24	financial	financial	ADJ
easat-9223	108	25	literacy	literacy	NOUN
easat-9223	108	26	has	have	VERB
easat-9223	108	27	a	a	DET
easat-9223	108	28	positive	positive	ADJ
easat-9223	108	29	influence	influence	NOUN
easat-9223	108	30	on	on	ADP
easat-9223	108	31	financial	financial	ADJ
easat-9223	108	32	management	management	NOUN
easat-9223	108	33	behavior	behavior	NOUN
easat-9223	108	34	,	,	PUNCT
easat-9223	108	35	with	with	ADP
easat-9223	108	36	locus	locus	NOUN
easat-9223	108	37	of	of	ADP
easat-9223	108	38	control	control	NOUN
easat-9223	108	39	as	as	ADP
easat-9223	108	40	a	a	DET
easat-9223	108	41	moderating	moderate	VERB
easat-9223	108	42	variable	variable	NOUN
easat-9223	108	43	among	among	ADP
easat-9223	108	44	generation	generation	NOUN
easat-9223	108	45	z.	z.	PROPN
easat-9223	108	46	”	"	PUNCT
easat-9223	109	1	2.8.5	2.8.5	NUM
easat-9223	109	2	.	.	PUNCT
easat-9223	110	1	the	the	DET
easat-9223	110	2	influence	influence	NOUN
easat-9223	110	3	of	of	ADP
easat-9223	110	4	financial	financial	ADJ
easat-9223	110	5	attitude	attitude	NOUN
easat-9223	110	6	on	on	ADP
easat-9223	110	7	financial	financial	ADJ
easat-9223	110	8	management	management	NOUN
easat-9223	110	9	behavior	behavior	NOUN
easat-9223	110	10	with	with	ADP
easat-9223	110	11	locus	locus	NOUN
easat-9223	110	12	of	of	ADP
easat-9223	110	13	control	control	NOUN
easat-9223	110	14	as	as	ADP
easat-9223	110	15	a	a	DET
easat-9223	110	16	moderating	moderate	VERB
easat-9223	110	17	variable	variable	NOUN
easat-9223	110	18	an	an	DET
easat-9223	110	19	individual	individual	NOUN
easat-9223	110	20	's	's	PART
easat-9223	110	21	financial	financial	ADJ
easat-9223	110	22	perspective	perspective	NOUN
easat-9223	110	23	significantly	significantly	ADV
easat-9223	110	24	impacts	impact	VERB
easat-9223	110	25	their	their	PRON
easat-9223	110	26	financial	financial	ADJ
easat-9223	110	27	management	management	NOUN
easat-9223	110	28	practices	practice	NOUN
easat-9223	110	29	,	,	PUNCT
easat-9223	110	30	as	as	SCONJ
easat-9223	110	31	those	those	PRON
easat-9223	110	32	with	with	ADP
easat-9223	110	33	an	an	DET
easat-9223	110	34	optimistic	optimistic	ADJ
easat-9223	110	35	financial	financial	ADJ
easat-9223	110	36	viewpoint	viewpoint	NOUN
easat-9223	110	37	tend	tend	VERB
easat-9223	110	38	to	to	PART
easat-9223	110	39	handle	handle	VERB
easat-9223	110	40	their	their	PRON
easat-9223	110	41	finances	finance	NOUN
easat-9223	110	42	in	in	ADP
easat-9223	110	43	a	a	DET
easat-9223	110	44	rational	rational	ADJ
easat-9223	110	45	and	and	CCONJ
easat-9223	110	46	efficient	efficient	ADJ
easat-9223	110	47	manner	manner	NOUN
easat-9223	111	1	[	[	X
easat-9223	111	2	47	47	NUM
easat-9223	111	3	]	]	PUNCT
easat-9223	111	4	.	.	PUNCT
easat-9223	112	1	furthermore	furthermore	ADV
easat-9223	112	2	,	,	PUNCT
easat-9223	112	3	additional	additional	ADJ
easat-9223	112	4	research	research	NOUN
easat-9223	112	5	indicates	indicate	VERB
easat-9223	112	6	that	that	SCONJ
easat-9223	112	7	locus	locus	NOUN
easat-9223	112	8	of	of	ADP
easat-9223	112	9	control	control	NOUN
easat-9223	112	10	acts	act	VERB
easat-9223	112	11	as	as	ADP
easat-9223	112	12	a	a	DET
easat-9223	112	13	mediator	mediator	NOUN
easat-9223	112	14	,	,	PUNCT
easat-9223	112	15	enhancing	enhance	VERB
easat-9223	112	16	the	the	DET
easat-9223	112	17	connection	connection	NOUN
easat-9223	112	18	between	between	ADP
easat-9223	112	19	financial	financial	ADJ
easat-9223	112	20	attitude	attitude	NOUN
easat-9223	112	21	and	and	CCONJ
easat-9223	112	22	financial	financial	ADJ
easat-9223	112	23	management	management	NOUN
easat-9223	112	24	behavior	behavior	NOUN
easat-9223	112	25	,	,	PUNCT
easat-9223	112	26	with	with	ADP
easat-9223	112	27	individuals	individual	NOUN
easat-9223	112	28	possessing	possess	VERB
easat-9223	112	29	high	high	ADJ
easat-9223	112	30	self	self	NOUN
easat-9223	112	31	-	-	PUNCT
easat-9223	112	32	control	control	NOUN
easat-9223	112	33	being	be	AUX
easat-9223	112	34	more	more	ADV
easat-9223	112	35	inclined	inclined	ADJ
easat-9223	112	36	to	to	PART
easat-9223	112	37	make	make	VERB
easat-9223	112	38	prudent	prudent	ADJ
easat-9223	112	39	financial	financial	ADJ
easat-9223	112	40	choices	choice	NOUN
easat-9223	112	41	[	[	X
easat-9223	112	42	48	48	NUM
easat-9223	112	43	]	]	PUNCT
easat-9223	112	44	.	.	PUNCT
easat-9223	113	1	this	this	PRON
easat-9223	113	2	suggests	suggest	VERB
easat-9223	113	3	that	that	SCONJ
easat-9223	113	4	fostering	foster	VERB
easat-9223	113	5	a	a	DET
easat-9223	113	6	positive	positive	ADJ
easat-9223	113	7	financial	financial	ADJ
easat-9223	113	8	attitude	attitude	NOUN
easat-9223	113	9	through	through	ADP
easat-9223	113	10	education	education	NOUN
easat-9223	113	11	and	and	CCONJ
easat-9223	113	12	socialization	socialization	NOUN
easat-9223	113	13	can	can	AUX
easat-9223	113	14	encourage	encourage	VERB
easat-9223	113	15	generation	generation	NOUN
easat-9223	113	16	z	z	NOUN
easat-9223	113	17	to	to	PART
easat-9223	113	18	adopt	adopt	VERB
easat-9223	113	19	more	more	ADV
easat-9223	113	20	prudent	prudent	ADJ
easat-9223	113	21	financial	financial	ADJ
easat-9223	113	22	practices	practice	NOUN
easat-9223	113	23	,	,	PUNCT
easat-9223	113	24	particularly	particularly	ADV
easat-9223	113	25	in	in	ADP
easat-9223	113	26	the	the	DET
easat-9223	113	27	utilization	utilization	NOUN
easat-9223	113	28	of	of	ADP
easat-9223	113	29	digital	digital	ADJ
easat-9223	113	30	credit	credit	NOUN
easat-9223	113	31	services	service	NOUN
easat-9223	113	32	.	.	PUNCT
easat-9223	114	1	consequently	consequently	ADV
easat-9223	114	2	,	,	PUNCT
easat-9223	114	3	the	the	DET
easat-9223	114	4	hypothesis	hypothesis	NOUN
easat-9223	114	5	that	that	PRON
easat-9223	114	6	can	can	AUX
easat-9223	114	7	be	be	AUX
easat-9223	114	8	proposed	propose	VERB
easat-9223	114	9	is	be	AUX
easat-9223	114	10	:	:	PUNCT
easat-9223	114	11	h5	h5	PROPN
easat-9223	114	12	:	:	PUNCT
easat-9223	114	13	“	"	PUNCT
easat-9223	114	14	financial	financial	ADJ
easat-9223	114	15	attitude	attitude	NOUN
easat-9223	114	16	has	have	AUX
easat-9223	114	17	a	a	DET
easat-9223	114	18	positive	positive	ADJ
easat-9223	114	19	influence	influence	NOUN
easat-9223	114	20	on	on	ADP
easat-9223	114	21	financial	financial	ADJ
easat-9223	114	22	management	management	NOUN
easat-9223	114	23	behavior	behavior	NOUN
easat-9223	114	24	among	among	ADP
easat-9223	114	25	generation	generation	NOUN
easat-9223	114	26	z	z	PROPN
easat-9223	114	27	,	,	PUNCT
easat-9223	114	28	with	with	ADP
easat-9223	114	29	locus	locus	NOUN
easat-9223	114	30	of	of	ADP
easat-9223	114	31	control	control	NOUN
easat-9223	114	32	as	as	ADP
easat-9223	114	33	a	a	DET
easat-9223	114	34	moderating	moderate	VERB
easat-9223	114	35	variable	variable	NOUN
easat-9223	114	36	.	.	PUNCT
easat-9223	114	37	”	"	PUNCT
easat-9223	115	1	100	100	NUM
easat-9223	115	2	edelweiss	edelweiss	PROPN
easat-9223	115	3	applied	apply	VERB
easat-9223	115	4	science	science	NOUN
easat-9223	115	5	and	and	CCONJ
easat-9223	115	6	technology	technology	NOUN
easat-9223	115	7	issn	issn	PROPN
easat-9223	115	8	:	:	PUNCT
easat-9223	115	9	2576	2576	NUM
easat-9223	115	10	-	-	SYM
easat-9223	115	11	8484	8484	NUM
easat-9223	115	12	vol	vol	NOUN
easat-9223	115	13	.	.	PROPN
easat-9223	116	1	9	9	NUM
easat-9223	116	2	,	,	PUNCT
easat-9223	116	3	no	no	INTJ
easat-9223	116	4	.	.	NOUN
easat-9223	116	5	8	8	NUM
easat-9223	116	6	:	:	SYM
easat-9223	116	7	95	95	NUM
easat-9223	116	8	-	-	SYM
easat-9223	116	9	112	112	NUM
easat-9223	116	10	,	,	PUNCT
easat-9223	116	11	2025	2025	NUM
easat-9223	116	12	doi	doi	NOUN
easat-9223	116	13	:	:	PUNCT
easat-9223	116	14	10.55214/2576	10.55214/2576	NUM
easat-9223	116	15	-	-	PUNCT
easat-9223	116	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	116	17	©	©	PROPN
easat-9223	116	18	2025	2025	NUM
easat-9223	116	19	by	by	ADP
easat-9223	116	20	the	the	DET
easat-9223	116	21	authors	author	NOUN
easat-9223	116	22	;	;	PUNCT
easat-9223	116	23	licensee	licensee	PROPN
easat-9223	116	24	learning	learn	VERB
easat-9223	116	25	gate	gate	NOUN
easat-9223	116	26	2.8.6	2.8.6	NUM
easat-9223	116	27	.	.	PUNCT
easat-9223	117	1	the	the	DET
easat-9223	117	2	influence	influence	NOUN
easat-9223	117	3	of	of	ADP
easat-9223	117	4	lifestyle	lifestyle	NOUN
easat-9223	117	5	on	on	ADP
easat-9223	117	6	financial	financial	ADJ
easat-9223	117	7	management	management	NOUN
easat-9223	117	8	behavior	behavior	NOUN
easat-9223	117	9	with	with	ADP
easat-9223	117	10	locus	locus	NOUN
easat-9223	117	11	of	of	ADP
easat-9223	117	12	control	control	NOUN
easat-9223	117	13	as	as	ADP
easat-9223	117	14	a	a	DET
easat-9223	117	15	moderating	moderate	VERB
easat-9223	117	16	variable	variable	NOUN
easat-9223	117	17	a	a	DET
easat-9223	117	18	hedonistic	hedonistic	ADJ
easat-9223	117	19	lifestyle	lifestyle	NOUN
easat-9223	117	20	can	can	AUX
easat-9223	117	21	influence	influence	VERB
easat-9223	117	22	financial	financial	ADJ
easat-9223	117	23	management	management	NOUN
easat-9223	117	24	behavior	behavior	NOUN
easat-9223	117	25	,	,	PUNCT
easat-9223	117	26	where	where	SCONJ
easat-9223	117	27	individuals	individual	NOUN
easat-9223	117	28	with	with	ADP
easat-9223	117	29	a	a	DET
easat-9223	117	30	more	more	ADV
easat-9223	117	31	consumptive	consumptive	ADJ
easat-9223	117	32	lifestyle	lifestyle	NOUN
easat-9223	117	33	tend	tend	VERB
easat-9223	117	34	to	to	PART
easat-9223	117	35	make	make	VERB
easat-9223	117	36	impulsive	impulsive	ADJ
easat-9223	117	37	purchases	purchase	NOUN
easat-9223	117	38	and	and	CCONJ
easat-9223	117	39	be	be	AUX
easat-9223	117	40	less	less	ADV
easat-9223	117	41	prudent	prudent	ADJ
easat-9223	117	42	in	in	ADP
easat-9223	117	43	managing	manage	VERB
easat-9223	117	44	their	their	PRON
easat-9223	117	45	finances	finance	NOUN
easat-9223	117	46	[	[	X
easat-9223	117	47	49	49	NUM
easat-9223	117	48	]	]	PUNCT
easat-9223	117	49	.	.	PUNCT
easat-9223	118	1	furthermore	furthermore	ADV
easat-9223	118	2	,	,	PUNCT
easat-9223	118	3	another	another	DET
easat-9223	118	4	research	research	NOUN
easat-9223	118	5	explains	explain	VERB
easat-9223	118	6	that	that	SCONJ
easat-9223	118	7	good	good	ADJ
easat-9223	118	8	financial	financial	ADJ
easat-9223	118	9	management	management	NOUN
easat-9223	118	10	is	be	AUX
easat-9223	118	11	closely	closely	ADV
easat-9223	118	12	related	relate	VERB
easat-9223	118	13	to	to	ADP
easat-9223	118	14	positive	positive	ADJ
easat-9223	118	15	behaviors	behavior	NOUN
easat-9223	118	16	,	,	PUNCT
easat-9223	118	17	such	such	ADJ
easat-9223	118	18	as	as	ADP
easat-9223	118	19	budgeting	budget	VERB
easat-9223	118	20	and	and	CCONJ
easat-9223	118	21	setting	set	VERB
easat-9223	118	22	aside	aside	ADP
easat-9223	118	23	money	money	NOUN
easat-9223	118	24	for	for	ADP
easat-9223	118	25	savings	saving	NOUN
easat-9223	118	26	,	,	PUNCT
easat-9223	118	27	which	which	PRON
easat-9223	118	28	contribute	contribute	VERB
easat-9223	118	29	to	to	ADP
easat-9223	118	30	high	high	ADJ
easat-9223	118	31	financial	financial	ADJ
easat-9223	118	32	well	well	NOUN
easat-9223	118	33	-	-	PUNCT
easat-9223	118	34	being	be	AUX
easat-9223	118	35	[	[	X
easat-9223	118	36	50	50	NUM
easat-9223	118	37	]	]	PUNCT
easat-9223	118	38	.	.	PUNCT
easat-9223	119	1	the	the	DET
easat-9223	119	2	connection	connection	NOUN
easat-9223	119	3	between	between	ADP
easat-9223	119	4	lifestyle	lifestyle	NOUN
easat-9223	119	5	choices	choice	NOUN
easat-9223	119	6	and	and	CCONJ
easat-9223	119	7	financial	financial	ADJ
easat-9223	119	8	management	management	NOUN
easat-9223	119	9	practices	practice	NOUN
easat-9223	119	10	is	be	AUX
easat-9223	119	11	enhanced	enhance	VERB
easat-9223	119	12	by	by	ADP
easat-9223	119	13	the	the	DET
easat-9223	119	14	locus	locus	NOUN
easat-9223	119	15	of	of	ADP
easat-9223	119	16	control	control	NOUN
easat-9223	119	17	,	,	PUNCT
easat-9223	119	18	which	which	PRON
easat-9223	119	19	serves	serve	VERB
easat-9223	119	20	as	as	ADP
easat-9223	119	21	a	a	DET
easat-9223	119	22	mediating	mediate	VERB
easat-9223	119	23	factor	factor	NOUN
easat-9223	119	24	.	.	PUNCT
easat-9223	120	1	individuals	individual	NOUN
easat-9223	120	2	possessing	possess	VERB
easat-9223	120	3	a	a	DET
easat-9223	120	4	strong	strong	ADJ
easat-9223	120	5	locus	locus	NOUN
easat-9223	120	6	of	of	ADP
easat-9223	120	7	control	control	NOUN
easat-9223	120	8	generally	generally	ADV
easat-9223	120	9	exhibit	exhibit	VERB
easat-9223	120	10	greater	great	ADJ
easat-9223	120	11	oversight	oversight	NOUN
easat-9223	120	12	of	of	ADP
easat-9223	120	13	their	their	PRON
easat-9223	120	14	expenditures	expenditure	NOUN
easat-9223	120	15	and	and	CCONJ
easat-9223	120	16	are	be	AUX
easat-9223	120	17	more	more	ADV
easat-9223	120	18	inclined	inclined	ADJ
easat-9223	120	19	to	to	PART
easat-9223	120	20	engage	engage	VERB
easat-9223	120	21	in	in	ADP
easat-9223	120	22	prudent	prudent	ADJ
easat-9223	120	23	financial	financial	ADJ
easat-9223	120	24	decision	decision	NOUN
easat-9223	120	25	-	-	PUNCT
easat-9223	120	26	making	making	NOUN
easat-9223	120	27	.	.	PUNCT
easat-9223	121	1	the	the	DET
easat-9223	121	2	following	follow	VERB
easat-9223	121	3	hypothesis	hypothesis	NOUN
easat-9223	121	4	can	can	AUX
easat-9223	121	5	be	be	AUX
easat-9223	121	6	put	put	VERB
easat-9223	121	7	forward	forward	ADV
easat-9223	121	8	based	base	VERB
easat-9223	121	9	on	on	ADP
easat-9223	121	10	these	these	DET
easat-9223	121	11	results	result	NOUN
easat-9223	121	12	:	:	PUNCT
easat-9223	121	13	h6	h6	NOUN
easat-9223	121	14	:	:	PUNCT
easat-9223	121	15	“	"	PUNCT
easat-9223	121	16	lifestyle	lifestyle	NOUN
easat-9223	121	17	influences	influence	VERB
easat-9223	121	18	financial	financial	ADJ
easat-9223	121	19	management	management	NOUN
easat-9223	121	20	behavior	behavior	NOUN
easat-9223	121	21	among	among	ADP
easat-9223	121	22	generation	generation	NOUN
easat-9223	121	23	z	z	PROPN
easat-9223	121	24	,	,	PUNCT
easat-9223	121	25	with	with	ADP
easat-9223	121	26	locus	locus	NOUN
easat-9223	121	27	of	of	ADP
easat-9223	121	28	control	control	NOUN
easat-9223	121	29	as	as	ADP
easat-9223	121	30	a	a	DET
easat-9223	121	31	moderating	moderate	VERB
easat-9223	121	32	variable	variable	NOUN
easat-9223	121	33	.	.	PUNCT
easat-9223	121	34	”	"	PUNCT
easat-9223	122	1	3	3	NUM
easat-9223	122	2	.	.	X
easat-9223	122	3	research	research	NOUN
easat-9223	122	4	methodology	methodology	NOUN
easat-9223	122	5	3.1	3.1	NUM
easat-9223	122	6	.	.	PUNCT
easat-9223	123	1	data	datum	NOUN
easat-9223	123	2	and	and	CCONJ
easat-9223	123	3	sample	sample	NOUN
easat-9223	123	4	this	this	DET
easat-9223	123	5	study	study	NOUN
easat-9223	123	6	employs	employ	VERB
easat-9223	123	7	a	a	DET
easat-9223	123	8	survey	survey	NOUN
easat-9223	123	9	methodology	methodology	NOUN
easat-9223	123	10	that	that	PRON
easat-9223	123	11	concentrates	concentrate	VERB
easat-9223	123	12	on	on	ADP
easat-9223	123	13	sampling	sample	VERB
easat-9223	123	14	individuals	individual	NOUN
easat-9223	123	15	from	from	ADP
easat-9223	123	16	a	a	DET
easat-9223	123	17	defined	define	VERB
easat-9223	123	18	population	population	NOUN
easat-9223	124	1	[	[	X
easat-9223	124	2	51	51	NUM
easat-9223	124	3	]	]	PUNCT
easat-9223	124	4	.	.	PUNCT
easat-9223	125	1	an	an	DET
easat-9223	125	2	explanatory	explanatory	ADJ
easat-9223	125	3	framework	framework	NOUN
easat-9223	125	4	is	be	AUX
easat-9223	125	5	utilized	utilize	VERB
easat-9223	125	6	in	in	ADP
easat-9223	125	7	this	this	DET
easat-9223	125	8	study	study	NOUN
easat-9223	125	9	to	to	PART
easat-9223	125	10	investigate	investigate	VERB
easat-9223	125	11	and	and	CCONJ
easat-9223	125	12	elucidate	elucidate	VERB
easat-9223	125	13	the	the	DET
easat-9223	125	14	causal	causal	ADJ
easat-9223	125	15	relationships	relationship	NOUN
easat-9223	125	16	among	among	ADP
easat-9223	125	17	the	the	DET
easat-9223	125	18	examined	examine	VERB
easat-9223	125	19	variables	variable	NOUN
easat-9223	125	20	,	,	PUNCT
easat-9223	125	21	as	as	ADV
easat-9223	125	22	well	well	ADV
easat-9223	125	23	as	as	ADP
easat-9223	125	24	to	to	PART
easat-9223	125	25	evaluate	evaluate	VERB
easat-9223	125	26	the	the	DET
easat-9223	125	27	proposed	propose	VERB
easat-9223	125	28	hypotheses	hypothesis	NOUN
easat-9223	125	29	.	.	PUNCT
easat-9223	126	1	the	the	DET
easat-9223	126	2	impact	impact	NOUN
easat-9223	126	3	of	of	ADP
easat-9223	126	4	three	three	NUM
easat-9223	126	5	independent	independent	ADJ
easat-9223	126	6	variables	variable	NOUN
easat-9223	126	7	on	on	ADP
easat-9223	126	8	financial	financial	ADJ
easat-9223	126	9	management	management	NOUN
easat-9223	126	10	behavior	behavior	NOUN
easat-9223	126	11	is	be	AUX
easat-9223	126	12	assessed	assess	VERB
easat-9223	126	13	,	,	PUNCT
easat-9223	126	14	considering	consider	VERB
easat-9223	126	15	locus	locus	NOUN
easat-9223	126	16	of	of	ADP
easat-9223	126	17	control	control	NOUN
easat-9223	126	18	as	as	ADP
easat-9223	126	19	a	a	DET
easat-9223	126	20	moderating	moderate	VERB
easat-9223	126	21	factor	factor	NOUN
easat-9223	126	22	.	.	PUNCT
easat-9223	127	1	the	the	DET
easat-9223	127	2	target	target	NOUN
easat-9223	127	3	population	population	NOUN
easat-9223	127	4	for	for	ADP
easat-9223	127	5	this	this	DET
easat-9223	127	6	research	research	NOUN
easat-9223	127	7	comprises	comprise	VERB
easat-9223	127	8	generation	generation	NOUN
easat-9223	127	9	z	z	NOUN
easat-9223	127	10	individuals	individual	NOUN
easat-9223	127	11	in	in	ADP
easat-9223	127	12	indonesia	indonesia	PROPN
easat-9223	127	13	who	who	PRON
easat-9223	127	14	actively	actively	ADV
easat-9223	127	15	utilize	utilize	VERB
easat-9223	127	16	paylater	paylater	NOUN
easat-9223	127	17	services	service	NOUN
easat-9223	127	18	,	,	PUNCT
easat-9223	127	19	including	include	VERB
easat-9223	127	20	shopee	shopee	NOUN
easat-9223	127	21	paylater	paylater	NOUN
easat-9223	127	22	,	,	PUNCT
easat-9223	127	23	gopaylater	gopaylater	NOUN
easat-9223	127	24	,	,	PUNCT
easat-9223	127	25	and	and	CCONJ
easat-9223	127	26	ovo	ovo	PROPN
easat-9223	127	27	paylater	paylater	NOUN
easat-9223	127	28	.	.	PUNCT
easat-9223	128	1	for	for	ADP
easat-9223	128	2	sample	sample	NOUN
easat-9223	128	3	selection	selection	NOUN
easat-9223	128	4	,	,	PUNCT
easat-9223	128	5	this	this	DET
easat-9223	128	6	study	study	NOUN
easat-9223	128	7	adopts	adopt	VERB
easat-9223	128	8	a	a	DET
easat-9223	128	9	purposive	purposive	ADJ
easat-9223	128	10	sampling	sampling	NOUN
easat-9223	128	11	method	method	NOUN
easat-9223	128	12	.	.	PUNCT
easat-9223	129	1	purposive	purposive	ADJ
easat-9223	129	2	sampling	sampling	NOUN
easat-9223	129	3	is	be	AUX
easat-9223	129	4	a	a	DET
easat-9223	129	5	data	data	NOUN
easat-9223	129	6	collection	collection	NOUN
easat-9223	129	7	strategy	strategy	NOUN
easat-9223	129	8	grounded	ground	VERB
easat-9223	129	9	in	in	ADP
easat-9223	129	10	specific	specific	ADJ
easat-9223	129	11	criteria	criterion	NOUN
easat-9223	129	12	[	[	X
easat-9223	129	13	52	52	NUM
easat-9223	129	14	]	]	PUNCT
easat-9223	129	15	.	.	PUNCT
easat-9223	130	1	the	the	DET
easat-9223	130	2	eligibility	eligibility	NOUN
easat-9223	130	3	criteria	criterion	NOUN
easat-9223	130	4	for	for	ADP
easat-9223	130	5	participation	participation	NOUN
easat-9223	130	6	in	in	ADP
easat-9223	130	7	this	this	DET
easat-9223	130	8	study	study	NOUN
easat-9223	130	9	include	include	VERB
easat-9223	130	10	individuals	individual	NOUN
easat-9223	130	11	aged	age	VERB
easat-9223	130	12	between	between	ADP
easat-9223	130	13	17	17	NUM
easat-9223	130	14	and	and	CCONJ
easat-9223	130	15	28	28	NUM
easat-9223	130	16	years	year	NOUN
easat-9223	130	17	,	,	PUNCT
easat-9223	130	18	or	or	CCONJ
easat-9223	130	19	those	those	PRON
easat-9223	130	20	born	bear	VERB
easat-9223	130	21	between	between	ADP
easat-9223	130	22	1997	1997	NUM
easat-9223	130	23	and	and	CCONJ
easat-9223	130	24	2008	2008	NUM
easat-9223	130	25	,	,	PUNCT
easat-9223	130	26	who	who	PRON
easat-9223	130	27	possess	possess	VERB
easat-9223	130	28	active	active	ADJ
easat-9223	130	29	experience	experience	NOUN
easat-9223	130	30	with	with	ADP
easat-9223	130	31	paylater	paylater	NOUN
easat-9223	130	32	services	service	NOUN
easat-9223	130	33	.	.	PUNCT
easat-9223	131	1	online	online	ADJ
easat-9223	131	2	surveys	survey	NOUN
easat-9223	131	3	were	be	AUX
easat-9223	131	4	disseminated	disseminate	VERB
easat-9223	131	5	via	via	ADP
easat-9223	131	6	social	social	ADJ
easat-9223	131	7	media	medium	NOUN
easat-9223	131	8	platforms	platform	NOUN
easat-9223	131	9	such	such	ADJ
easat-9223	131	10	as	as	ADP
easat-9223	131	11	instagram	instagram	PROPN
easat-9223	131	12	,	,	PUNCT
easat-9223	131	13	line	line	NOUN
easat-9223	131	14	,	,	PUNCT
easat-9223	131	15	and	and	CCONJ
easat-9223	131	16	whatsapp	whatsapp	NOUN
easat-9223	131	17	to	to	PART
easat-9223	131	18	gather	gather	VERB
easat-9223	131	19	data	datum	NOUN
easat-9223	131	20	for	for	ADP
easat-9223	131	21	this	this	DET
easat-9223	131	22	research	research	NOUN
easat-9223	131	23	.	.	PUNCT
easat-9223	132	1	3.2	3.2	NUM
easat-9223	132	2	.	.	PUNCT
easat-9223	133	1	measurement	measurement	NOUN
easat-9223	133	2	instrument	instrument	PROPN
easat-9223	133	3	this	this	DET
easat-9223	133	4	survey	survey	NOUN
easat-9223	133	5	was	be	AUX
easat-9223	133	6	developed	develop	VERB
easat-9223	133	7	using	use	VERB
easat-9223	133	8	google	google	PROPN
easat-9223	133	9	forms	form	NOUN
easat-9223	133	10	and	and	CCONJ
easat-9223	133	11	circulated	circulate	VERB
easat-9223	133	12	among	among	ADP
easat-9223	133	13	respondents	respondent	NOUN
easat-9223	133	14	who	who	PRON
easat-9223	133	15	met	meet	VERB
easat-9223	133	16	the	the	DET
easat-9223	133	17	study	study	NOUN
easat-9223	133	18	's	's	PART
easat-9223	133	19	specified	specify	VERB
easat-9223	133	20	criteria	criterion	NOUN
easat-9223	133	21	.	.	PUNCT
easat-9223	134	1	the	the	DET
easat-9223	134	2	assessment	assessment	NOUN
easat-9223	134	3	tool	tool	NOUN
easat-9223	134	4	in	in	ADP
easat-9223	134	5	this	this	DET
easat-9223	134	6	survey	survey	NOUN
easat-9223	134	7	used	use	VERB
easat-9223	134	8	a	a	DET
easat-9223	134	9	5	5	NUM
easat-9223	134	10	-	-	PUNCT
easat-9223	134	11	point	point	NOUN
easat-9223	134	12	likert	likert	ADJ
easat-9223	134	13	scale	scale	NOUN
easat-9223	134	14	,	,	PUNCT
easat-9223	134	15	spanning	span	VERB
easat-9223	134	16	from	from	ADP
easat-9223	134	17	1	1	NUM
easat-9223	134	18	(	(	PUNCT
easat-9223	134	19	strongly	strongly	ADV
easat-9223	134	20	disagree	disagree	VERB
easat-9223	134	21	)	)	PUNCT
easat-9223	134	22	to	to	ADP
easat-9223	134	23	5	5	NUM
easat-9223	134	24	(	(	PUNCT
easat-9223	134	25	strongly	strongly	ADV
easat-9223	134	26	agree	agree	VERB
easat-9223	134	27	)	)	PUNCT
easat-9223	134	28	for	for	ADP
easat-9223	134	29	the	the	DET
easat-9223	134	30	available	available	ADJ
easat-9223	134	31	answer	answer	NOUN
easat-9223	134	32	options	option	NOUN
easat-9223	134	33	.	.	PUNCT
easat-9223	135	1	the	the	DET
easat-9223	135	2	specifics	specific	NOUN
easat-9223	135	3	of	of	ADP
easat-9223	135	4	the	the	DET
easat-9223	135	5	measurement	measurement	NOUN
easat-9223	135	6	variables	variable	VERB
easat-9223	135	7	,	,	PUNCT
easat-9223	135	8	along	along	ADP
easat-9223	135	9	with	with	ADP
easat-9223	135	10	their	their	PRON
easat-9223	135	11	corresponding	correspond	VERB
easat-9223	135	12	indicators	indicator	NOUN
easat-9223	135	13	utilized	utilize	VERB
easat-9223	135	14	in	in	ADP
easat-9223	135	15	the	the	DET
easat-9223	135	16	survey	survey	NOUN
easat-9223	135	17	,	,	PUNCT
easat-9223	135	18	are	be	AUX
easat-9223	135	19	displayed	display	VERB
easat-9223	135	20	in	in	ADP
easat-9223	135	21	the	the	DET
easat-9223	135	22	subsequent	subsequent	ADJ
easat-9223	135	23	table	table	NOUN
easat-9223	135	24	.	.	PUNCT
easat-9223	136	1	the	the	DET
easat-9223	136	2	items	item	NOUN
easat-9223	136	3	in	in	ADP
easat-9223	136	4	the	the	DET
easat-9223	136	5	survey	survey	NOUN
easat-9223	136	6	were	be	AUX
easat-9223	136	7	modified	modify	VERB
easat-9223	136	8	from	from	ADP
easat-9223	136	9	an	an	DET
easat-9223	136	10	earlier	early	ADJ
easat-9223	136	11	study	study	NOUN
easat-9223	136	12	that	that	PRON
easat-9223	136	13	investigated	investigate	VERB
easat-9223	136	14	comparable	comparable	ADJ
easat-9223	136	15	variables	variable	NOUN
easat-9223	136	16	in	in	ADP
easat-9223	136	17	a	a	DET
easat-9223	136	18	pertinent	pertinent	ADJ
easat-9223	136	19	context	context	NOUN
easat-9223	137	1	[	[	X
easat-9223	137	2	53	53	NUM
easat-9223	137	3	]	]	PUNCT
easat-9223	137	4	.	.	PUNCT
easat-9223	138	1	101	101	NUM
easat-9223	138	2	edelweiss	edelweiss	PROPN
easat-9223	138	3	applied	apply	VERB
easat-9223	138	4	science	science	NOUN
easat-9223	138	5	and	and	CCONJ
easat-9223	138	6	technology	technology	NOUN
easat-9223	138	7	issn	issn	PROPN
easat-9223	138	8	:	:	PUNCT
easat-9223	138	9	2576	2576	NUM
easat-9223	138	10	-	-	SYM
easat-9223	138	11	8484	8484	NUM
easat-9223	138	12	vol	vol	NOUN
easat-9223	138	13	.	.	PROPN
easat-9223	139	1	9	9	NUM
easat-9223	139	2	,	,	PUNCT
easat-9223	139	3	no	no	INTJ
easat-9223	139	4	.	.	NOUN
easat-9223	139	5	8	8	NUM
easat-9223	139	6	:	:	SYM
easat-9223	139	7	95	95	NUM
easat-9223	139	8	-	-	SYM
easat-9223	139	9	112	112	NUM
easat-9223	139	10	,	,	PUNCT
easat-9223	139	11	2025	2025	NUM
easat-9223	139	12	doi	doi	NOUN
easat-9223	139	13	:	:	PUNCT
easat-9223	139	14	10.55214/2576	10.55214/2576	NUM
easat-9223	139	15	-	-	PUNCT
easat-9223	139	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	139	17	©	©	PROPN
easat-9223	139	18	2025	2025	NUM
easat-9223	139	19	by	by	ADP
easat-9223	139	20	the	the	DET
easat-9223	139	21	authors	author	NOUN
easat-9223	139	22	;	;	PUNCT
easat-9223	140	1	licensee	licensee	PROPN
easat-9223	140	2	learning	learn	VERB
easat-9223	140	3	gate	gate	NOUN
easat-9223	140	4	table	table	NOUN
easat-9223	140	5	1	1	NUM
easat-9223	140	6	.	.	PUNCT
easat-9223	140	7	questionnaires	questionnaire	NOUN
easat-9223	140	8	instrument	instrument	NOUN
easat-9223	140	9	.	.	PUNCT
easat-9223	141	1	3.3	3.3	NUM
easat-9223	141	2	.	.	PUNCT
easat-9223	142	1	data	datum	NOUN
easat-9223	142	2	analysis	analysis	NOUN
easat-9223	142	3	technique	technique	NOUN
easat-9223	142	4	the	the	DET
easat-9223	142	5	slovin	slovin	NOUN
easat-9223	142	6	formula	formula	NOUN
easat-9223	142	7	was	be	AUX
easat-9223	142	8	employed	employ	VERB
easat-9223	142	9	in	in	ADP
easat-9223	142	10	this	this	DET
easat-9223	142	11	research	research	NOUN
easat-9223	142	12	to	to	PART
easat-9223	142	13	determine	determine	VERB
easat-9223	142	14	the	the	DET
easat-9223	142	15	total	total	ADJ
easat-9223	142	16	number	number	NOUN
easat-9223	142	17	of	of	ADP
easat-9223	142	18	samples	sample	NOUN
easat-9223	142	19	gathered	gather	VERB
easat-9223	142	20	[	[	X
easat-9223	142	21	52	52	NUM
easat-9223	142	22	]	]	PUNCT
easat-9223	142	23	.	.	PUNCT
easat-9223	143	1	approximately	approximately	ADV
easat-9223	143	2	74.93	74.93	NUM
easat-9223	143	3	million	million	NUM
easat-9223	143	4	people	people	NOUN
easat-9223	143	5	in	in	ADP
easat-9223	143	6	indonesia	indonesia	PROPN
easat-9223	143	7	were	be	AUX
easat-9223	143	8	identified	identify	VERB
easat-9223	143	9	as	as	ADP
easat-9223	143	10	generation	generation	NOUN
easat-9223	143	11	z	z	PROPN
easat-9223	143	12	,	,	PUNCT
easat-9223	143	13	according	accord	VERB
easat-9223	143	14	to	to	ADP
easat-9223	143	15	the	the	DET
easat-9223	143	16	2020	2020	NUM
easat-9223	143	17	population	population	NOUN
easat-9223	143	18	census	census	NOUN
easat-9223	143	19	data	datum	NOUN
easat-9223	143	20	provided	provide	VERB
easat-9223	143	21	by	by	ADP
easat-9223	143	22	the	the	DET
easat-9223	143	23	central	central	ADJ
easat-9223	143	24	statistics	statistics	PROPN
easat-9223	143	25	agency	agency	PROPN
easat-9223	143	26	(	(	PUNCT
easat-9223	143	27	bps	bps	X
easat-9223	143	28	)	)	PUNCT
easat-9223	144	1	[	[	X
easat-9223	144	2	54	54	NUM
easat-9223	144	3	]	]	PUNCT
easat-9223	144	4	.	.	PUNCT
easat-9223	145	1	using	use	VERB
easat-9223	145	2	the	the	DET
easat-9223	145	3	slovin	slovin	NOUN
easat-9223	145	4	formula	formula	NOUN
easat-9223	145	5	as	as	ADP
easat-9223	145	6	a	a	DET
easat-9223	145	7	reference	reference	NOUN
easat-9223	145	8	,	,	PUNCT
easat-9223	145	9	this	this	DET
easat-9223	145	10	study	study	NOUN
easat-9223	145	11	requires	require	VERB
easat-9223	145	12	at	at	ADV
easat-9223	145	13	least	least	ADV
easat-9223	145	14	400	400	NUM
easat-9223	145	15	participants	participant	NOUN
easat-9223	145	16	,	,	PUNCT
easat-9223	145	17	with	with	ADP
easat-9223	145	18	a	a	DET
easat-9223	145	19	5	5	NUM
easat-9223	145	20	%	%	NOUN
easat-9223	145	21	margin	margin	NOUN
easat-9223	145	22	of	of	ADP
easat-9223	145	23	error	error	NOUN
easat-9223	145	24	.	.	PUNCT
easat-9223	145	25	utilizing	utilize	VERB
easat-9223	145	26	spss	spss	PROPN
easat-9223	145	27	version	version	PROPN
easat-9223	145	28	26	26	NUM
easat-9223	145	29	,	,	PUNCT
easat-9223	145	30	this	this	DET
easat-9223	145	31	study	study	NOUN
easat-9223	145	32	applies	apply	VERB
easat-9223	145	33	multiple	multiple	ADJ
easat-9223	145	34	linear	linear	ADJ
easat-9223	145	35	regression	regression	NOUN
easat-9223	145	36	to	to	PART
easat-9223	145	37	examine	examine	VERB
easat-9223	145	38	the	the	DET
easat-9223	145	39	data	datum	NOUN
easat-9223	145	40	collected	collect	VERB
easat-9223	145	41	.	.	PUNCT
easat-9223	146	1	this	this	DET
easat-9223	146	2	approach	approach	NOUN
easat-9223	146	3	enables	enable	VERB
easat-9223	146	4	the	the	DET
easat-9223	146	5	researcher	researcher	NOUN
easat-9223	146	6	to	to	PART
easat-9223	146	7	ascertain	ascertain	VERB
easat-9223	146	8	how	how	SCONJ
easat-9223	146	9	various	various	ADJ
easat-9223	146	10	independent	independent	ADJ
easat-9223	146	11	variables	variable	NOUN
easat-9223	146	12	influence	influence	VERB
easat-9223	146	13	the	the	DET
easat-9223	146	14	dependent	dependent	ADJ
easat-9223	146	15	variable	variable	NOUN
easat-9223	146	16	and	and	CCONJ
easat-9223	146	17	to	to	PART
easat-9223	146	18	comprehend	comprehend	VERB
easat-9223	146	19	how	how	SCONJ
easat-9223	146	20	locus	locus	NOUN
easat-9223	146	21	of	of	ADP
easat-9223	146	22	control	control	NOUN
easat-9223	146	23	moderates	moderate	NOUN
easat-9223	146	24	this	this	DET
easat-9223	146	25	relationship	relationship	NOUN
easat-9223	146	26	.	.	PUNCT
easat-9223	147	1	4	4	X
easat-9223	147	2	.	.	NOUN
easat-9223	147	3	results	result	NOUN
easat-9223	147	4	and	and	CCONJ
easat-9223	147	5	discussions	discussion	NOUN
easat-9223	147	6	4.1	4.1	NUM
easat-9223	147	7	.	.	PUNCT
easat-9223	148	1	validity	validity	NOUN
easat-9223	148	2	test	test	VERB
easat-9223	148	3	the	the	DET
easat-9223	148	4	objective	objective	NOUN
easat-9223	148	5	of	of	ADP
easat-9223	148	6	the	the	DET
easat-9223	148	7	validity	validity	NOUN
easat-9223	148	8	assessment	assessment	NOUN
easat-9223	148	9	in	in	ADP
easat-9223	148	10	this	this	DET
easat-9223	148	11	research	research	NOUN
easat-9223	148	12	is	be	AUX
easat-9223	148	13	to	to	PART
easat-9223	148	14	evaluate	evaluate	VERB
easat-9223	148	15	the	the	DET
easat-9223	148	16	degree	degree	NOUN
easat-9223	148	17	to	to	PART
easat-9223	148	18	which	which	PRON
easat-9223	148	19	the	the	DET
easat-9223	148	20	instrument	instrument	NOUN
easat-9223	148	21	employed	employ	VERB
easat-9223	148	22	is	be	AUX
easat-9223	148	23	effective	effective	ADJ
easat-9223	148	24	in	in	ADP
easat-9223	148	25	measuring	measure	VERB
easat-9223	148	26	the	the	DET
easat-9223	148	27	intended	intend	VERB
easat-9223	148	28	constructs	construct	NOUN
easat-9223	148	29	.	.	PUNCT
easat-9223	149	1	the	the	DET
easat-9223	149	2	research	research	NOUN
easat-9223	149	3	instrument	instrument	NOUN
easat-9223	149	4	variable	variable	ADJ
easat-9223	149	5	statement	statement	NOUN
easat-9223	149	6	financial	financial	ADJ
easat-9223	149	7	literacy	literacy	NOUN
easat-9223	149	8	i	i	PRON
easat-9223	149	9	am	be	AUX
easat-9223	149	10	able	able	ADJ
easat-9223	149	11	to	to	PART
easat-9223	149	12	manage	manage	VERB
easat-9223	149	13	my	my	PRON
easat-9223	149	14	assets	asset	NOUN
easat-9223	149	15	effectively	effectively	ADV
easat-9223	149	16	.	.	PUNCT
easat-9223	150	1	i	i	PRON
easat-9223	150	2	manage	manage	VERB
easat-9223	150	3	expenses	expense	NOUN
easat-9223	150	4	according	accord	VERB
easat-9223	150	5	to	to	ADP
easat-9223	150	6	my	my	PRON
easat-9223	150	7	income	income	NOUN
easat-9223	150	8	.	.	PUNCT
easat-9223	151	1	i	i	PRON
easat-9223	151	2	understand	understand	VERB
easat-9223	151	3	the	the	DET
easat-9223	151	4	importance	importance	NOUN
easat-9223	151	5	of	of	ADP
easat-9223	151	6	having	have	VERB
easat-9223	151	7	savings	saving	NOUN
easat-9223	151	8	.	.	PUNCT
easat-9223	152	1	i	i	PRON
easat-9223	152	2	am	be	AUX
easat-9223	152	3	aware	aware	ADJ
easat-9223	152	4	of	of	ADP
easat-9223	152	5	the	the	DET
easat-9223	152	6	risks	risk	NOUN
easat-9223	152	7	and	and	CCONJ
easat-9223	152	8	obligations	obligation	NOUN
easat-9223	152	9	of	of	ADP
easat-9223	152	10	the	the	DET
easat-9223	152	11	loans	loan	NOUN
easat-9223	152	12	i	i	PRON
easat-9223	152	13	take	take	VERB
easat-9223	152	14	.	.	PUNCT
easat-9223	153	1	i	i	PRON
easat-9223	153	2	understand	understand	VERB
easat-9223	153	3	the	the	DET
easat-9223	153	4	function	function	NOUN
easat-9223	153	5	and	and	CCONJ
easat-9223	153	6	benefits	benefit	NOUN
easat-9223	153	7	of	of	ADP
easat-9223	153	8	having	have	VERB
easat-9223	153	9	insurance	insurance	NOUN
easat-9223	153	10	.	.	PUNCT
easat-9223	154	1	i	i	PRON
easat-9223	154	2	know	know	VERB
easat-9223	154	3	the	the	DET
easat-9223	154	4	main	main	ADJ
easat-9223	154	5	purpose	purpose	NOUN
easat-9223	154	6	of	of	ADP
easat-9223	154	7	owning	own	VERB
easat-9223	154	8	insurance	insurance	NOUN
easat-9223	154	9	.	.	PUNCT
easat-9223	155	1	i	i	PRON
easat-9223	155	2	understand	understand	VERB
easat-9223	155	3	the	the	DET
easat-9223	155	4	importance	importance	NOUN
easat-9223	155	5	of	of	ADP
easat-9223	155	6	investment	investment	NOUN
easat-9223	155	7	for	for	ADP
easat-9223	155	8	the	the	DET
easat-9223	155	9	future	future	NOUN
easat-9223	155	10	.	.	PUNCT
easat-9223	156	1	i	i	PRON
easat-9223	156	2	have	have	AUX
easat-9223	156	3	experienced	experience	VERB
easat-9223	156	4	the	the	DET
easat-9223	156	5	benefits	benefit	NOUN
easat-9223	156	6	of	of	ADP
easat-9223	156	7	my	my	PRON
easat-9223	156	8	investments	investment	NOUN
easat-9223	156	9	.	.	PUNCT
easat-9223	157	1	financial	financial	ADJ
easat-9223	157	2	attitude	attitude	NOUN
easat-9223	157	3	i	i	PRON
easat-9223	157	4	have	have	VERB
easat-9223	157	5	a	a	DET
easat-9223	157	6	mindset	mindset	NOUN
easat-9223	157	7	to	to	PART
easat-9223	157	8	manage	manage	VERB
easat-9223	157	9	money	money	NOUN
easat-9223	157	10	wisely	wisely	ADV
easat-9223	157	11	.	.	PUNCT
easat-9223	158	1	i	i	PRON
easat-9223	158	2	have	have	VERB
easat-9223	158	3	a	a	DET
easat-9223	158	4	clear	clear	ADJ
easat-9223	158	5	view	view	NOUN
easat-9223	158	6	of	of	ADP
easat-9223	158	7	my	my	PRON
easat-9223	158	8	financial	financial	ADJ
easat-9223	158	9	condition	condition	NOUN
easat-9223	158	10	in	in	ADP
easat-9223	158	11	the	the	DET
easat-9223	158	12	future	future	NOUN
easat-9223	158	13	.	.	PUNCT
easat-9223	159	1	i	i	PRON
easat-9223	159	2	can	can	AUX
easat-9223	159	3	use	use	VERB
easat-9223	159	4	money	money	NOUN
easat-9223	159	5	according	accord	VERB
easat-9223	159	6	to	to	ADP
easat-9223	159	7	its	its	PRON
easat-9223	159	8	purpose	purpose	NOUN
easat-9223	159	9	.	.	PUNCT
easat-9223	160	1	in	in	ADP
easat-9223	160	2	my	my	PRON
easat-9223	160	3	opinion	opinion	NOUN
easat-9223	160	4	,	,	PUNCT
easat-9223	160	5	money	money	NOUN
easat-9223	160	6	can	can	AUX
easat-9223	160	7	solve	solve	VERB
easat-9223	160	8	problems	problem	NOUN
easat-9223	160	9	.	.	PUNCT
easat-9223	161	1	i	i	PRON
easat-9223	161	2	feel	feel	VERB
easat-9223	161	3	i	i	PRON
easat-9223	161	4	deserve	deserve	VERB
easat-9223	161	5	to	to	PART
easat-9223	161	6	have	have	VERB
easat-9223	161	7	and	and	CCONJ
easat-9223	161	8	use	use	VERB
easat-9223	161	9	the	the	DET
easat-9223	161	10	money	money	NOUN
easat-9223	161	11	i	i	PRON
easat-9223	161	12	own	own	VERB
easat-9223	161	13	.	.	PUNCT
easat-9223	162	1	i	i	PRON
easat-9223	162	2	feel	feel	VERB
easat-9223	162	3	the	the	DET
easat-9223	162	4	need	need	NOUN
easat-9223	162	5	for	for	ADP
easat-9223	162	6	money	money	NOUN
easat-9223	162	7	will	will	AUX
easat-9223	162	8	continue	continue	VERB
easat-9223	162	9	to	to	PART
easat-9223	162	10	increase	increase	VERB
easat-9223	162	11	.	.	PUNCT
easat-9223	163	1	i	i	PRON
easat-9223	163	2	tend	tend	VERB
easat-9223	163	3	to	to	PART
easat-9223	163	4	choose	choose	VERB
easat-9223	163	5	to	to	PART
easat-9223	163	6	save	save	VERB
easat-9223	163	7	the	the	DET
easat-9223	163	8	money	money	NOUN
easat-9223	163	9	i	i	PRON
easat-9223	163	10	have	have	VERB
easat-9223	163	11	.	.	PUNCT
easat-9223	164	1	i	i	PRON
easat-9223	164	2	believe	believe	VERB
easat-9223	164	3	saving	save	VERB
easat-9223	164	4	money	money	NOUN
easat-9223	164	5	in	in	ADP
easat-9223	164	6	a	a	DET
easat-9223	164	7	bank	bank	NOUN
easat-9223	164	8	is	be	AUX
easat-9223	164	9	a	a	DET
easat-9223	164	10	good	good	ADJ
easat-9223	164	11	decision	decision	NOUN
easat-9223	164	12	.	.	PUNCT
easat-9223	165	1	lifestyle	lifestyle	NOUN
easat-9223	165	2	i	i	PRON
easat-9223	165	3	work	work	VERB
easat-9223	165	4	in	in	ADP
easat-9223	165	5	order	order	NOUN
easat-9223	165	6	to	to	PART
easat-9223	165	7	be	be	AUX
easat-9223	165	8	appreciated	appreciate	VERB
easat-9223	165	9	by	by	ADP
easat-9223	165	10	others	other	NOUN
easat-9223	165	11	.	.	PUNCT
easat-9223	166	1	i	i	PRON
easat-9223	166	2	join	join	VERB
easat-9223	166	3	a	a	DET
easat-9223	166	4	community	community	NOUN
easat-9223	166	5	to	to	PART
easat-9223	166	6	be	be	AUX
easat-9223	166	7	recognized	recognize	VERB
easat-9223	166	8	by	by	ADP
easat-9223	166	9	others	other	NOUN
easat-9223	166	10	.	.	PUNCT
easat-9223	167	1	i	i	PRON
easat-9223	167	2	enjoy	enjoy	VERB
easat-9223	167	3	traveling	travel	VERB
easat-9223	167	4	to	to	ADP
easat-9223	167	5	popular	popular	ADJ
easat-9223	167	6	destinations	destination	NOUN
easat-9223	167	7	.	.	PUNCT
easat-9223	168	1	i	i	PRON
easat-9223	168	2	regularly	regularly	ADV
easat-9223	168	3	follow	follow	VERB
easat-9223	168	4	information	information	NOUN
easat-9223	168	5	media	medium	NOUN
easat-9223	168	6	to	to	PART
easat-9223	168	7	gain	gain	VERB
easat-9223	168	8	knowledge	knowledge	NOUN
easat-9223	168	9	.	.	PUNCT
easat-9223	169	1	i	i	PRON
easat-9223	169	2	like	like	VERB
easat-9223	169	3	jobs	job	NOUN
easat-9223	169	4	that	that	PRON
easat-9223	169	5	match	match	VERB
easat-9223	169	6	my	my	PRON
easat-9223	169	7	skills	skill	NOUN
easat-9223	169	8	.	.	PUNCT
easat-9223	170	1	i	i	PRON
easat-9223	170	2	am	be	AUX
easat-9223	170	3	someone	someone	PRON
easat-9223	170	4	who	who	PRON
easat-9223	170	5	thinks	think	VERB
easat-9223	170	6	about	about	ADP
easat-9223	170	7	the	the	DET
easat-9223	170	8	future	future	NOUN
easat-9223	170	9	.	.	PUNCT
easat-9223	171	1	i	i	PRON
easat-9223	171	2	prioritize	prioritize	VERB
easat-9223	171	3	education	education	NOUN
easat-9223	171	4	in	in	ADP
easat-9223	171	5	my	my	PRON
easat-9223	171	6	life	life	NOUN
easat-9223	171	7	.	.	PUNCT
easat-9223	172	1	i	i	PRON
easat-9223	172	2	want	want	VERB
easat-9223	172	3	to	to	PART
easat-9223	172	4	understand	understand	VERB
easat-9223	172	5	the	the	DET
easat-9223	172	6	diversity	diversity	NOUN
easat-9223	172	7	of	of	ADP
easat-9223	172	8	cultures	culture	NOUN
easat-9223	172	9	.	.	PUNCT
easat-9223	173	1	locus	locus	NOUN
easat-9223	173	2	of	of	ADP
easat-9223	173	3	control	control	NOUN
easat-9223	173	4	i	i	PRON
easat-9223	173	5	feel	feel	VERB
easat-9223	173	6	capable	capable	ADJ
easat-9223	173	7	of	of	ADP
easat-9223	173	8	completing	complete	VERB
easat-9223	173	9	my	my	PRON
easat-9223	173	10	tasks	task	NOUN
easat-9223	173	11	.	.	PUNCT
easat-9223	174	1	i	i	PRON
easat-9223	174	2	have	have	VERB
easat-9223	174	3	the	the	DET
easat-9223	174	4	skills	skill	NOUN
easat-9223	174	5	to	to	PART
easat-9223	174	6	make	make	VERB
easat-9223	174	7	my	my	PRON
easat-9223	174	8	work	work	NOUN
easat-9223	174	9	more	more	ADV
easat-9223	174	10	varied	varied	ADJ
easat-9223	174	11	.	.	PUNCT
easat-9223	175	1	i	i	PRON
easat-9223	175	2	feel	feel	VERB
easat-9223	175	3	satisfied	satisfied	ADJ
easat-9223	175	4	with	with	ADP
easat-9223	175	5	my	my	PRON
easat-9223	175	6	achievements	achievement	NOUN
easat-9223	175	7	.	.	PUNCT
easat-9223	176	1	i	i	PRON
easat-9223	176	2	am	be	AUX
easat-9223	176	3	capable	capable	ADJ
easat-9223	176	4	of	of	ADP
easat-9223	176	5	solving	solve	VERB
easat-9223	176	6	the	the	DET
easat-9223	176	7	problems	problem	NOUN
easat-9223	176	8	i	i	PRON
easat-9223	176	9	face	face	VERB
easat-9223	176	10	.	.	PUNCT
easat-9223	177	1	i	i	PRON
easat-9223	177	2	can	can	AUX
easat-9223	177	3	inspire	inspire	VERB
easat-9223	177	4	others	other	NOUN
easat-9223	177	5	to	to	PART
easat-9223	177	6	complete	complete	VERB
easat-9223	177	7	their	their	PRON
easat-9223	177	8	work	work	NOUN
easat-9223	177	9	.	.	PUNCT
easat-9223	178	1	i	i	PRON
easat-9223	178	2	can	can	AUX
easat-9223	178	3	motivate	motivate	VERB
easat-9223	178	4	other	other	ADJ
easat-9223	178	5	people	people	NOUN
easat-9223	178	6	.	.	PUNCT
easat-9223	179	1	financial	financial	ADJ
easat-9223	179	2	management	management	NOUN
easat-9223	179	3	behavior	behavior	NOUN
easat-9223	179	4	i	i	PRON
easat-9223	179	5	consider	consider	VERB
easat-9223	179	6	before	before	ADP
easat-9223	179	7	buying	buy	VERB
easat-9223	179	8	something	something	PRON
easat-9223	179	9	.	.	PUNCT
easat-9223	180	1	i	i	PRON
easat-9223	180	2	purchase	purchase	VERB
easat-9223	180	3	items	item	NOUN
easat-9223	180	4	according	accord	VERB
easat-9223	180	5	to	to	ADP
easat-9223	180	6	my	my	PRON
easat-9223	180	7	needs	need	NOUN
easat-9223	180	8	.	.	PUNCT
easat-9223	181	1	i	i	PRON
easat-9223	181	2	pay	pay	VERB
easat-9223	181	3	bills	bill	NOUN
easat-9223	181	4	on	on	ADP
easat-9223	181	5	time	time	NOUN
easat-9223	181	6	.	.	PUNCT
easat-9223	182	1	i	i	PRON
easat-9223	182	2	plan	plan	VERB
easat-9223	182	3	my	my	PRON
easat-9223	182	4	future	future	NOUN
easat-9223	182	5	well	well	ADV
easat-9223	182	6	.	.	PUNCT
easat-9223	183	1	i	i	PRON
easat-9223	183	2	set	set	VERB
easat-9223	183	3	aside	aside	ADP
easat-9223	183	4	money	money	NOUN
easat-9223	183	5	for	for	ADP
easat-9223	183	6	unexpected	unexpected	ADJ
easat-9223	183	7	needs	need	NOUN
easat-9223	183	8	.	.	PUNCT
easat-9223	184	1	i	i	PRON
easat-9223	184	2	allocate	allocate	VERB
easat-9223	184	3	my	my	PRON
easat-9223	184	4	funds	fund	NOUN
easat-9223	184	5	for	for	ADP
easat-9223	184	6	future	future	ADJ
easat-9223	184	7	needs	need	NOUN
easat-9223	184	8	.	.	PUNCT
easat-9223	185	1	i	i	PRON
easat-9223	185	2	use	use	VERB
easat-9223	185	3	loans	loan	NOUN
easat-9223	185	4	or	or	CCONJ
easat-9223	185	5	debt	debt	NOUN
easat-9223	185	6	to	to	PART
easat-9223	185	7	handle	handle	VERB
easat-9223	185	8	urgent	urgent	ADJ
easat-9223	185	9	needs	need	NOUN
easat-9223	185	10	.	.	PUNCT
easat-9223	186	1	i	i	PRON
easat-9223	186	2	maintain	maintain	VERB
easat-9223	186	3	balance	balance	NOUN
easat-9223	186	4	between	between	ADP
easat-9223	186	5	income	income	NOUN
easat-9223	186	6	and	and	CCONJ
easat-9223	186	7	expenses	expense	NOUN
easat-9223	186	8	to	to	PART
easat-9223	186	9	avoid	avoid	VERB
easat-9223	186	10	financial	financial	ADJ
easat-9223	186	11	problems	problem	NOUN
easat-9223	186	12	.	.	PUNCT
easat-9223	187	1	102	102	NUM
easat-9223	187	2	edelweiss	edelweiss	PROPN
easat-9223	187	3	applied	apply	VERB
easat-9223	187	4	science	science	NOUN
easat-9223	187	5	and	and	CCONJ
easat-9223	187	6	technology	technology	NOUN
easat-9223	187	7	issn	issn	PROPN
easat-9223	187	8	:	:	PUNCT
easat-9223	187	9	2576	2576	NUM
easat-9223	187	10	-	-	SYM
easat-9223	187	11	8484	8484	NUM
easat-9223	187	12	vol	vol	NOUN
easat-9223	187	13	.	.	PROPN
easat-9223	188	1	9	9	NUM
easat-9223	188	2	,	,	PUNCT
easat-9223	188	3	no	no	INTJ
easat-9223	188	4	.	.	NOUN
easat-9223	188	5	8	8	NUM
easat-9223	188	6	:	:	SYM
easat-9223	188	7	95	95	NUM
easat-9223	188	8	-	-	SYM
easat-9223	188	9	112	112	NUM
easat-9223	188	10	,	,	PUNCT
easat-9223	188	11	2025	2025	NUM
easat-9223	188	12	doi	doi	NOUN
easat-9223	188	13	:	:	PUNCT
easat-9223	188	14	10.55214/2576	10.55214/2576	NUM
easat-9223	188	15	-	-	PUNCT
easat-9223	188	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	188	17	©	©	PROPN
easat-9223	188	18	2025	2025	NUM
easat-9223	188	19	by	by	ADP
easat-9223	188	20	the	the	DET
easat-9223	188	21	authors	author	NOUN
easat-9223	188	22	;	;	PUNCT
easat-9223	188	23	licensee	licensee	PROPN
easat-9223	188	24	learning	learn	VERB
easat-9223	188	25	gate	gate	NOUN
easat-9223	188	26	comprises	comprise	VERB
easat-9223	188	27	38	38	NUM
easat-9223	188	28	statements	statement	NOUN
easat-9223	188	29	that	that	PRON
easat-9223	188	30	encapsulate	encapsulate	VERB
easat-9223	188	31	five	five	NUM
easat-9223	188	32	variables	variable	NOUN
easat-9223	188	33	:	:	PUNCT
easat-9223	188	34	eight	eight	NUM
easat-9223	188	35	statements	statement	NOUN
easat-9223	188	36	each	each	PRON
easat-9223	188	37	for	for	ADP
easat-9223	188	38	the	the	DET
easat-9223	188	39	independent	independent	ADJ
easat-9223	188	40	variables	variable	NOUN
easat-9223	188	41	;	;	PUNCT
easat-9223	188	42	six	six	NUM
easat-9223	188	43	statements	statement	NOUN
easat-9223	188	44	for	for	ADP
easat-9223	188	45	the	the	DET
easat-9223	188	46	moderating	moderate	VERB
easat-9223	188	47	variable	variable	NOUN
easat-9223	188	48	;	;	PUNCT
easat-9223	188	49	and	and	CCONJ
easat-9223	188	50	eight	eight	NUM
easat-9223	188	51	statements	statement	NOUN
easat-9223	188	52	for	for	ADP
easat-9223	188	53	the	the	DET
easat-9223	188	54	dependent	dependent	ADJ
easat-9223	188	55	variable	variable	NOUN
easat-9223	188	56	.	.	PUNCT
easat-9223	189	1	altogether	altogether	ADV
easat-9223	189	2	,	,	PUNCT
easat-9223	189	3	400	400	NUM
easat-9223	189	4	individuals	individual	NOUN
easat-9223	189	5	participated	participate	VERB
easat-9223	189	6	in	in	ADP
easat-9223	189	7	the	the	DET
easat-9223	189	8	validity	validity	NOUN
easat-9223	189	9	assessment	assessment	NOUN
easat-9223	189	10	,	,	PUNCT
easat-9223	189	11	which	which	PRON
easat-9223	189	12	was	be	AUX
easat-9223	189	13	conducted	conduct	VERB
easat-9223	189	14	at	at	ADP
easat-9223	189	15	a	a	DET
easat-9223	189	16	significance	significance	NOUN
easat-9223	189	17	level	level	NOUN
easat-9223	189	18	(	(	PUNCT
easat-9223	189	19	α	α	NOUN
easat-9223	189	20	)	)	PUNCT
easat-9223	189	21	of	of	ADP
easat-9223	189	22	5	5	NUM
easat-9223	189	23	%	%	NOUN
easat-9223	189	24	,	,	PUNCT
easat-9223	189	25	or	or	CCONJ
easat-9223	189	26	0.05	0.05	NUM
easat-9223	189	27	.	.	PUNCT
easat-9223	190	1	based	base	VERB
easat-9223	190	2	on	on	ADP
easat-9223	190	3	the	the	DET
easat-9223	190	4	degrees	degree	NOUN
easat-9223	190	5	of	of	ADP
easat-9223	190	6	freedom	freedom	NOUN
easat-9223	190	7	(	(	PUNCT
easat-9223	190	8	df	df	NOUN
easat-9223	190	9	=	=	SYM
easat-9223	190	10	n	n	CCONJ
easat-9223	190	11	–	–	PUNCT
easat-9223	190	12	2	2	NUM
easat-9223	190	13	=	=	SYM
easat-9223	190	14	400	400	NUM
easat-9223	190	15	–	–	SYM
easat-9223	190	16	2	2	NUM
easat-9223	190	17	=	=	SYM
easat-9223	190	18	398	398	NUM
easat-9223	190	19	)	)	PUNCT
easat-9223	190	20	,	,	PUNCT
easat-9223	190	21	the	the	DET
easat-9223	190	22	r	r	NOUN
easat-9223	190	23	-	-	PUNCT
easat-9223	190	24	table	table	NOUN
easat-9223	190	25	value	value	NOUN
easat-9223	190	26	was	be	AUX
easat-9223	190	27	established	establish	VERB
easat-9223	190	28	at	at	ADP
easat-9223	190	29	0.098	0.098	NUM
easat-9223	190	30	.	.	PUNCT
easat-9223	191	1	to	to	PART
easat-9223	191	2	determine	determine	VERB
easat-9223	191	3	validity	validity	NOUN
easat-9223	191	4	,	,	PUNCT
easat-9223	191	5	an	an	DET
easat-9223	191	6	item	item	NOUN
easat-9223	191	7	must	must	AUX
easat-9223	191	8	have	have	VERB
easat-9223	191	9	a	a	DET
easat-9223	191	10	calculated	calculated	ADJ
easat-9223	191	11	r	r	NOUN
easat-9223	191	12	value	value	NOUN
easat-9223	191	13	greater	great	ADJ
easat-9223	191	14	than	than	ADP
easat-9223	191	15	the	the	DET
easat-9223	191	16	table	table	NOUN
easat-9223	191	17	r	r	NOUN
easat-9223	191	18	value	value	NOUN
easat-9223	191	19	(	(	PUNCT
easat-9223	191	20	0.098	0.098	NUM
easat-9223	191	21	)	)	PUNCT
easat-9223	191	22	and	and	CCONJ
easat-9223	191	23	a	a	DET
easat-9223	191	24	significance	significance	NOUN
easat-9223	191	25	level	level	NOUN
easat-9223	191	26	less	less	ADJ
easat-9223	191	27	than	than	ADP
easat-9223	191	28	0.05	0.05	NUM
easat-9223	191	29	.	.	PUNCT
easat-9223	192	1	the	the	DET
easat-9223	192	2	evaluation	evaluation	NOUN
easat-9223	192	3	was	be	AUX
easat-9223	192	4	carried	carry	VERB
easat-9223	192	5	out	out	ADP
easat-9223	192	6	using	use	VERB
easat-9223	192	7	the	the	DET
easat-9223	192	8	pearson	pearson	NOUN
easat-9223	192	9	product	product	NOUN
easat-9223	192	10	moment	moment	NOUN
easat-9223	192	11	correlation	correlation	NOUN
easat-9223	192	12	formula	formula	NOUN
easat-9223	192	13	in	in	ADP
easat-9223	192	14	ibm	ibm	PROPN
easat-9223	192	15	spss	spss	PROPN
easat-9223	192	16	statistics	statistics	PROPN
easat-9223	192	17	version	version	PROPN
easat-9223	192	18	26	26	NUM
easat-9223	192	19	.	.	PUNCT
easat-9223	193	1	referring	refer	VERB
easat-9223	193	2	to	to	ADP
easat-9223	193	3	the	the	DET
easat-9223	193	4	validity	validity	NOUN
easat-9223	193	5	findings	finding	NOUN
easat-9223	193	6	shown	show	VERB
easat-9223	193	7	in	in	ADP
easat-9223	193	8	table	table	NOUN
easat-9223	193	9	1	1	NUM
easat-9223	193	10	,	,	PUNCT
easat-9223	193	11	all	all	DET
easat-9223	193	12	items	item	NOUN
easat-9223	193	13	from	from	ADP
easat-9223	193	14	each	each	DET
easat-9223	193	15	variable	variable	NOUN
easat-9223	193	16	were	be	AUX
easat-9223	193	17	declared	declare	VERB
easat-9223	193	18	valid	valid	ADJ
easat-9223	193	19	because	because	SCONJ
easat-9223	193	20	they	they	PRON
easat-9223	193	21	met	meet	VERB
easat-9223	193	22	both	both	DET
easat-9223	193	23	criteria	criterion	NOUN
easat-9223	193	24	.	.	PUNCT
easat-9223	194	1	therefore	therefore	ADV
easat-9223	194	2	,	,	PUNCT
easat-9223	194	3	there	there	PRON
easat-9223	194	4	are	be	VERB
easat-9223	194	5	no	no	DET
easat-9223	194	6	items	item	NOUN
easat-9223	194	7	that	that	PRON
easat-9223	194	8	require	require	VERB
easat-9223	194	9	removal	removal	NOUN
easat-9223	194	10	or	or	CCONJ
easat-9223	194	11	substitution	substitution	NOUN
easat-9223	194	12	in	in	ADP
easat-9223	194	13	this	this	DET
easat-9223	194	14	research	research	NOUN
easat-9223	194	15	instrument	instrument	NOUN
easat-9223	194	16	.	.	PUNCT
easat-9223	195	1	table	table	NOUN
easat-9223	195	2	2	2	NUM
easat-9223	195	3	.	.	PUNCT
easat-9223	195	4	validity	validity	NOUN
easat-9223	195	5	test	test	NOUN
easat-9223	195	6	.	.	PUNCT
easat-9223	196	1	variable	variable	ADJ
easat-9223	196	2	no	no	INTJ
easat-9223	196	3	.	.	PUNCT
easat-9223	197	1	item	item	NOUN
easat-9223	197	2	description	description	NOUN
easat-9223	197	3	financial	financial	ADJ
easat-9223	197	4	literacy	literacy	NOUN
easat-9223	197	5	x1.1	x1.1	PROPN
easat-9223	197	6	x1.8	x1.8	PROPN
easat-9223	197	7	valid	valid	ADJ
easat-9223	197	8	financial	financial	ADJ
easat-9223	197	9	attitude	attitude	NOUN
easat-9223	197	10	x2.1	x2.1	PUNCT
easat-9223	197	11	x2.8	x2.8	PROPN
easat-9223	198	1	lifestyle	lifestyle	PROPN
easat-9223	198	2	x3.1	x3.1	PROPN
easat-9223	198	3	x3.8	x3.8	PROPN
easat-9223	198	4	locus	locus	NOUN
easat-9223	198	5	of	of	ADP
easat-9223	198	6	control	control	NOUN
easat-9223	198	7	m.1	m.1	PROPN
easat-9223	199	1	m.6	m.6	PROPN
easat-9223	200	1	financial	financial	ADJ
easat-9223	200	2	management	management	NOUN
easat-9223	200	3	behavior	behavior	NOUN
easat-9223	200	4	y.1	y.1	X
easat-9223	200	5	y.8	y.8	PROPN
easat-9223	200	6	4.2	4.2	NUM
easat-9223	200	7	.	.	PUNCT
easat-9223	201	1	reliability	reliability	NOUN
easat-9223	201	2	test	test	NOUN
easat-9223	201	3	the	the	DET
easat-9223	201	4	reliability	reliability	NOUN
easat-9223	201	5	assessment	assessment	NOUN
easat-9223	201	6	measures	measure	VERB
easat-9223	201	7	the	the	DET
easat-9223	201	8	internal	internal	ADJ
easat-9223	201	9	consistency	consistency	NOUN
easat-9223	201	10	of	of	ADP
easat-9223	201	11	the	the	DET
easat-9223	201	12	research	research	NOUN
easat-9223	201	13	instrument	instrument	NOUN
easat-9223	201	14	,	,	PUNCT
easat-9223	201	15	specifically	specifically	ADV
easat-9223	201	16	the	the	DET
easat-9223	201	17	degree	degree	NOUN
easat-9223	201	18	to	to	PART
easat-9223	201	19	which	which	PRON
easat-9223	201	20	the	the	DET
easat-9223	201	21	instrument	instrument	NOUN
easat-9223	201	22	consistently	consistently	ADV
easat-9223	201	23	produces	produce	VERB
easat-9223	201	24	stable	stable	ADJ
easat-9223	201	25	results	result	NOUN
easat-9223	201	26	when	when	SCONJ
easat-9223	201	27	administered	administer	VERB
easat-9223	201	28	multiple	multiple	ADJ
easat-9223	201	29	times	time	NOUN
easat-9223	201	30	to	to	ADP
easat-9223	201	31	the	the	DET
easat-9223	201	32	same	same	ADJ
easat-9223	201	33	subjects	subject	NOUN
easat-9223	201	34	.	.	PUNCT
easat-9223	202	1	in	in	ADP
easat-9223	202	2	essence	essence	NOUN
easat-9223	202	3	,	,	PUNCT
easat-9223	202	4	reliability	reliability	NOUN
easat-9223	202	5	reflects	reflect	VERB
easat-9223	202	6	the	the	DET
easat-9223	202	7	stability	stability	NOUN
easat-9223	202	8	and	and	CCONJ
easat-9223	202	9	trustworthiness	trustworthiness	NOUN
easat-9223	202	10	of	of	ADP
easat-9223	202	11	an	an	DET
easat-9223	202	12	instrument	instrument	NOUN
easat-9223	202	13	in	in	ADP
easat-9223	202	14	quantifying	quantify	VERB
easat-9223	202	15	a	a	DET
easat-9223	202	16	particular	particular	ADJ
easat-9223	202	17	construct	construct	NOUN
easat-9223	202	18	.	.	PUNCT
easat-9223	203	1	in	in	ADP
easat-9223	203	2	this	this	DET
easat-9223	203	3	investigation	investigation	NOUN
easat-9223	203	4	,	,	PUNCT
easat-9223	203	5	the	the	DET
easat-9223	203	6	reliability	reliability	NOUN
easat-9223	203	7	test	test	NOUN
easat-9223	203	8	was	be	AUX
easat-9223	203	9	conducted	conduct	VERB
easat-9223	203	10	utilizing	utilize	VERB
easat-9223	203	11	the	the	DET
easat-9223	203	12	cronbach	cronbach	NOUN
easat-9223	203	13	’s	’s	PART
easat-9223	203	14	alpha	alpha	ADJ
easat-9223	203	15	formula	formula	NOUN
easat-9223	203	16	via	via	ADP
easat-9223	203	17	ibm	ibm	PROPN
easat-9223	203	18	spss	spss	PROPN
easat-9223	203	19	statistics	statistics	PROPN
easat-9223	203	20	version	version	PROPN
easat-9223	203	21	26	26	NUM
easat-9223	203	22	.	.	PUNCT
easat-9223	204	1	the	the	DET
easat-9223	204	2	subsequent	subsequent	ADJ
easat-9223	204	3	explanation	explanation	NOUN
easat-9223	204	4	outlines	outline	VERB
easat-9223	204	5	the	the	DET
easat-9223	204	6	interpretation	interpretation	NOUN
easat-9223	204	7	of	of	ADP
easat-9223	204	8	reliability	reliability	NOUN
easat-9223	204	9	coefficient	coefficient	NOUN
easat-9223	204	10	values	value	NOUN
easat-9223	204	11	:	:	PUNCT
easat-9223	204	12	values	value	NOUN
easat-9223	204	13	exceeding	exceed	VERB
easat-9223	204	14	0.80	0.80	NUM
easat-9223	204	15	are	be	AUX
easat-9223	204	16	deemed	deem	VERB
easat-9223	204	17	good	good	ADJ
easat-9223	204	18	,	,	PUNCT
easat-9223	204	19	values	value	NOUN
easat-9223	204	20	approximately	approximately	ADV
easat-9223	204	21	at	at	ADP
easat-9223	204	22	0.70	0.70	NUM
easat-9223	204	23	are	be	AUX
easat-9223	204	24	regarded	regard	VERB
easat-9223	204	25	as	as	ADP
easat-9223	204	26	acceptable	acceptable	ADJ
easat-9223	204	27	,	,	PUNCT
easat-9223	204	28	and	and	CCONJ
easat-9223	204	29	values	value	NOUN
easat-9223	204	30	falling	fall	VERB
easat-9223	204	31	below	below	ADP
easat-9223	204	32	0.60	0.60	NUM
easat-9223	204	33	are	be	AUX
easat-9223	204	34	viewed	view	VERB
easat-9223	204	35	as	as	ADP
easat-9223	204	36	inadequate	inadequate	ADJ
easat-9223	204	37	.	.	PUNCT
easat-9223	205	1	according	accord	VERB
easat-9223	205	2	to	to	ADP
easat-9223	205	3	the	the	DET
easat-9223	205	4	results	result	NOUN
easat-9223	205	5	of	of	ADP
easat-9223	205	6	the	the	DET
easat-9223	205	7	calculations	calculation	NOUN
easat-9223	205	8	,	,	PUNCT
easat-9223	205	9	all	all	DET
easat-9223	205	10	measured	measure	VERB
easat-9223	205	11	factors	factor	NOUN
easat-9223	205	12	in	in	ADP
easat-9223	205	13	this	this	DET
easat-9223	205	14	research	research	NOUN
easat-9223	205	15	exhibit	exhibit	NOUN
easat-9223	205	16	cronbach	cronbach	PROPN
easat-9223	205	17	’s	’s	PART
easat-9223	205	18	alpha	alpha	NOUN
easat-9223	205	19	values	value	NOUN
easat-9223	205	20	surpassing	surpass	VERB
easat-9223	205	21	0.60	0.60	NUM
easat-9223	205	22	,	,	PUNCT
easat-9223	205	23	thereby	thereby	ADV
easat-9223	205	24	leading	lead	VERB
easat-9223	205	25	to	to	ADP
easat-9223	205	26	the	the	DET
easat-9223	205	27	conclusion	conclusion	NOUN
easat-9223	205	28	that	that	SCONJ
easat-9223	205	29	the	the	DET
easat-9223	205	30	instrument	instrument	NOUN
easat-9223	205	31	employed	employ	VERB
easat-9223	205	32	is	be	AUX
easat-9223	205	33	reliable	reliable	ADJ
easat-9223	205	34	and	and	CCONJ
easat-9223	205	35	appropriate	appropriate	ADJ
easat-9223	205	36	for	for	ADP
easat-9223	205	37	subsequent	subsequent	ADJ
easat-9223	205	38	analysis	analysis	NOUN
easat-9223	205	39	.	.	PUNCT
easat-9223	206	1	table	table	NOUN
easat-9223	206	2	3	3	NUM
easat-9223	206	3	.	.	PUNCT
easat-9223	206	4	reliability	reliability	NOUN
easat-9223	206	5	test	test	NOUN
easat-9223	206	6	.	.	PUNCT
easat-9223	207	1	variable	variable	ADJ
easat-9223	207	2	cronbach	cronbach	VERB
easat-9223	207	3	alpha	alpha	ADJ
easat-9223	207	4	description	description	NOUN
easat-9223	207	5	financial	financial	ADJ
easat-9223	207	6	literacy	literacy	NOUN
easat-9223	207	7	0.740	0.740	NUM
easat-9223	207	8	reliable	reliable	ADJ
easat-9223	207	9	financial	financial	ADJ
easat-9223	207	10	attitude	attitude	NOUN
easat-9223	207	11	0.750	0.750	NUM
easat-9223	207	12	lifestyle	lifestyle	NOUN
easat-9223	207	13	0.748	0.748	NUM
easat-9223	207	14	locus	locus	NOUN
easat-9223	207	15	of	of	ADP
easat-9223	207	16	control	control	NOUN
easat-9223	207	17	0.710	0.710	NUM
easat-9223	207	18	financial	financial	ADJ
easat-9223	207	19	management	management	NOUN
easat-9223	207	20	behavior	behavior	NOUN
easat-9223	207	21	0.754	0.754	NUM
easat-9223	207	22	4.3	4.3	NUM
easat-9223	207	23	.	.	PUNCT
easat-9223	208	1	normality	normality	NOUN
easat-9223	208	2	test	test	NOUN
easat-9223	208	3	this	this	DET
easat-9223	208	4	test	test	NOUN
easat-9223	208	5	was	be	AUX
easat-9223	208	6	performed	perform	VERB
easat-9223	208	7	to	to	PART
easat-9223	208	8	ascertain	ascertain	VERB
easat-9223	208	9	whether	whether	SCONJ
easat-9223	208	10	the	the	DET
easat-9223	208	11	sample	sample	NOUN
easat-9223	208	12	data	data	NOUN
easat-9223	208	13	adheres	adhere	VERB
easat-9223	208	14	to	to	ADP
easat-9223	208	15	a	a	DET
easat-9223	208	16	normal	normal	ADJ
easat-9223	208	17	distribution	distribution	NOUN
easat-9223	208	18	.	.	PUNCT
easat-9223	209	1	in	in	ADP
easat-9223	209	2	the	the	DET
easat-9223	209	3	context	context	NOUN
easat-9223	209	4	of	of	ADP
easat-9223	209	5	a	a	DET
easat-9223	209	6	linear	linear	ADJ
easat-9223	209	7	regression	regression	NOUN
easat-9223	209	8	model	model	NOUN
easat-9223	209	9	,	,	PUNCT
easat-9223	209	10	the	the	DET
easat-9223	209	11	normality	normality	NOUN
easat-9223	209	12	assumption	assumption	NOUN
easat-9223	209	13	is	be	AUX
easat-9223	209	14	represented	represent	VERB
easat-9223	209	15	by	by	ADP
easat-9223	209	16	errors	error	NOUN
easat-9223	209	17	that	that	PRON
easat-9223	209	18	exhibit	exhibit	VERB
easat-9223	209	19	a	a	DET
easat-9223	209	20	normal	normal	ADJ
easat-9223	209	21	distribution	distribution	NOUN
easat-9223	209	22	.	.	PUNCT
easat-9223	210	1	an	an	DET
easat-9223	210	2	effective	effective	ADJ
easat-9223	210	3	regression	regression	NOUN
easat-9223	210	4	model	model	NOUN
easat-9223	210	5	is	be	AUX
easat-9223	210	6	characterized	characterize	VERB
easat-9223	210	7	by	by	ADP
easat-9223	210	8	residuals	residual	NOUN
easat-9223	210	9	that	that	PRON
easat-9223	210	10	are	be	AUX
easat-9223	210	11	normally	normally	ADV
easat-9223	210	12	or	or	CCONJ
easat-9223	210	13	approximately	approximately	ADV
easat-9223	210	14	normally	normally	ADV
easat-9223	210	15	distributed	distribute	VERB
easat-9223	210	16	,	,	PUNCT
easat-9223	210	17	thereby	thereby	ADV
easat-9223	210	18	allowing	allow	VERB
easat-9223	210	19	for	for	ADP
easat-9223	210	20	appropriate	appropriate	ADJ
easat-9223	210	21	statistical	statistical	ADJ
easat-9223	210	22	testing	testing	NOUN
easat-9223	210	23	.	.	PUNCT
easat-9223	211	1	in	in	ADP
easat-9223	211	2	this	this	DET
easat-9223	211	3	study	study	NOUN
easat-9223	211	4	,	,	PUNCT
easat-9223	211	5	normality	normality	NOUN
easat-9223	211	6	tests	test	NOUN
easat-9223	211	7	were	be	AUX
easat-9223	211	8	conducted	conduct	VERB
easat-9223	211	9	using	use	VERB
easat-9223	211	10	the	the	DET
easat-9223	211	11	kolmogorov	kolmogorov	ADJ
easat-9223	211	12	-	-	PUNCT
easat-9223	211	13	smirnov	smirnov	ADJ
easat-9223	211	14	method	method	NOUN
easat-9223	211	15	through	through	ADP
easat-9223	211	16	ibm	ibm	PROPN
easat-9223	211	17	spss	spss	PROPN
easat-9223	211	18	statistics	statistic	NOUN
easat-9223	211	19	.	.	PUNCT
easat-9223	212	1	the	the	DET
easat-9223	212	2	probability	probability	NOUN
easat-9223	212	3	value	value	NOUN
easat-9223	212	4	(	(	PUNCT
easat-9223	212	5	asymp	asymp	PROPN
easat-9223	212	6	.	.	PUNCT
easat-9223	212	7	sig	sig	PROPN
easat-9223	212	8	.	.	PUNCT
easat-9223	212	9	)	)	PUNCT
easat-9223	212	10	was	be	AUX
easat-9223	212	11	used	use	VERB
easat-9223	212	12	as	as	ADP
easat-9223	212	13	the	the	DET
easat-9223	212	14	basis	basis	NOUN
easat-9223	212	15	for	for	ADP
easat-9223	212	16	decision	decision	NOUN
easat-9223	212	17	criteria	criterion	NOUN
easat-9223	212	18	in	in	ADP
easat-9223	212	19	this	this	DET
easat-9223	212	20	test	test	NOUN
easat-9223	212	21	,	,	PUNCT
easat-9223	212	22	with	with	ADP
easat-9223	212	23	the	the	DET
easat-9223	212	24	following	follow	VERB
easat-9223	212	25	guidelines	guideline	NOUN
easat-9223	212	26	:	:	PUNCT
easat-9223	212	27	if	if	SCONJ
easat-9223	212	28	the	the	DET
easat-9223	212	29	probability	probability	NOUN
easat-9223	212	30	value	value	NOUN
easat-9223	212	31	exceeds	exceed	VERB
easat-9223	212	32	0.05	0.05	NUM
easat-9223	212	33	,	,	PUNCT
easat-9223	212	34	the	the	DET
easat-9223	212	35	dataset	dataset	NOUN
easat-9223	212	36	is	be	AUX
easat-9223	212	37	considered	consider	VERB
easat-9223	212	38	to	to	PART
easat-9223	212	39	follow	follow	VERB
easat-9223	212	40	a	a	DET
easat-9223	212	41	normal	normal	ADJ
easat-9223	212	42	distribution	distribution	NOUN
easat-9223	212	43	.	.	PUNCT
easat-9223	213	1	conversely	conversely	ADV
easat-9223	213	2	,	,	PUNCT
easat-9223	213	3	if	if	SCONJ
easat-9223	213	4	the	the	DET
easat-9223	213	5	value	value	NOUN
easat-9223	213	6	is	be	AUX
easat-9223	213	7	below	below	ADP
easat-9223	213	8	0.05	0.05	NUM
easat-9223	213	9	,	,	PUNCT
easat-9223	213	10	the	the	DET
easat-9223	213	11	dataset	dataset	NOUN
easat-9223	213	12	is	be	AUX
easat-9223	213	13	regarded	regard	VERB
easat-9223	213	14	as	as	ADV
easat-9223	213	15	not	not	PART
easat-9223	213	16	normally	normally	ADV
easat-9223	213	17	distributed	distribute	VERB
easat-9223	213	18	[	[	PUNCT
easat-9223	213	19	55	55	NUM
easat-9223	213	20	]	]	PUNCT
easat-9223	213	21	.	.	PUNCT
easat-9223	214	1	one	one	NUM
easat-9223	214	2	of	of	ADP
easat-9223	214	3	the	the	DET
easat-9223	214	4	fundamental	fundamental	ADJ
easat-9223	214	5	assumptions	assumption	NOUN
easat-9223	214	6	of	of	ADP
easat-9223	214	7	linear	linear	ADJ
easat-9223	214	8	regression	regression	NOUN
easat-9223	214	9	is	be	AUX
easat-9223	214	10	that	that	SCONJ
easat-9223	214	11	the	the	DET
easat-9223	214	12	data	datum	NOUN
easat-9223	214	13	analyzed	analyze	VERB
easat-9223	214	14	here	here	ADV
easat-9223	214	15	will	will	AUX
easat-9223	214	16	follow	follow	VERB
easat-9223	214	17	103	103	NUM
easat-9223	214	18	edelweiss	edelweiss	PROPN
easat-9223	214	19	applied	apply	VERB
easat-9223	214	20	science	science	NOUN
easat-9223	214	21	and	and	CCONJ
easat-9223	214	22	technology	technology	NOUN
easat-9223	214	23	issn	issn	PROPN
easat-9223	214	24	:	:	PUNCT
easat-9223	214	25	2576	2576	NUM
easat-9223	214	26	-	-	SYM
easat-9223	214	27	8484	8484	NUM
easat-9223	214	28	vol	vol	NOUN
easat-9223	214	29	.	.	PROPN
easat-9223	215	1	9	9	NUM
easat-9223	215	2	,	,	PUNCT
easat-9223	215	3	no	no	INTJ
easat-9223	215	4	.	.	NOUN
easat-9223	215	5	8	8	NUM
easat-9223	215	6	:	:	SYM
easat-9223	215	7	95	95	NUM
easat-9223	215	8	-	-	SYM
easat-9223	215	9	112	112	NUM
easat-9223	215	10	,	,	PUNCT
easat-9223	215	11	2025	2025	NUM
easat-9223	215	12	doi	doi	NOUN
easat-9223	215	13	:	:	PUNCT
easat-9223	215	14	10.55214/2576	10.55214/2576	NUM
easat-9223	215	15	-	-	PUNCT
easat-9223	215	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	215	17	©	©	PROPN
easat-9223	215	18	2025	2025	NUM
easat-9223	215	19	by	by	ADP
easat-9223	215	20	the	the	DET
easat-9223	215	21	authors	author	NOUN
easat-9223	215	22	;	;	PUNCT
easat-9223	215	23	licensee	licensee	PROPN
easat-9223	215	24	learning	learning	NOUN
easat-9223	215	25	gate	gate	VERB
easat-9223	215	26	a	a	DET
easat-9223	215	27	normal	normal	ADJ
easat-9223	215	28	distribution	distribution	NOUN
easat-9223	215	29	.	.	PUNCT
easat-9223	216	1	proof	proof	NOUN
easat-9223	216	2	of	of	ADP
easat-9223	216	3	this	this	PRON
easat-9223	216	4	can	can	AUX
easat-9223	216	5	be	be	AUX
easat-9223	216	6	found	find	VERB
easat-9223	216	7	in	in	ADP
easat-9223	216	8	the	the	DET
easat-9223	216	9	kolmogorov	kolmogorov	ADJ
easat-9223	216	10	-	-	PUNCT
easat-9223	216	11	smirnov	smirnov	ADJ
easat-9223	216	12	test	test	NOUN
easat-9223	216	13	,	,	PUNCT
easat-9223	216	14	where	where	SCONJ
easat-9223	216	15	the	the	DET
easat-9223	216	16	asymp	asymp	NOUN
easat-9223	216	17	.	.	PUNCT
easat-9223	217	1	sig	sig	NOUN
easat-9223	217	2	(	(	PUNCT
easat-9223	217	3	2	2	NUM
easat-9223	217	4	-	-	PUNCT
easat-9223	217	5	tailed	tailed	ADJ
easat-9223	217	6	)	)	PUNCT
easat-9223	217	7	value	value	NOUN
easat-9223	217	8	was	be	AUX
easat-9223	217	9	0.200	0.200	NUM
easat-9223	217	10	,	,	PUNCT
easat-9223	217	11	exceeding	exceed	VERB
easat-9223	217	12	the	the	DET
easat-9223	217	13	0.05	0.05	NUM
easat-9223	217	14	threshold	threshold	NOUN
easat-9223	217	15	.	.	PUNCT
easat-9223	218	1	table	table	NOUN
easat-9223	218	2	4	4	NUM
easat-9223	218	3	.	.	PUNCT
easat-9223	218	4	normality	normality	NOUN
easat-9223	218	5	test	test	NOUN
easat-9223	218	6	.	.	PUNCT
easat-9223	219	1	one	one	NUM
easat-9223	219	2	-	-	PUNCT
easat-9223	219	3	sample	sample	NOUN
easat-9223	219	4	kolmogorov	kolmogorov	ADJ
easat-9223	219	5	-	-	PUNCT
easat-9223	219	6	smirnov	smirnov	ADJ
easat-9223	219	7	test	test	NOUN
easat-9223	219	8	unstandardized	unstandardize	VERB
easat-9223	219	9	residual	residual	ADJ
easat-9223	219	10	n	n	CCONJ
easat-9223	219	11	400	400	NUM
easat-9223	219	12	asymp	asymp	NOUN
easat-9223	219	13	.	.	PUNCT
easat-9223	220	1	sig	sig	PROPN
easat-9223	220	2	.	.	PUNCT
easat-9223	221	1	(	(	PUNCT
easat-9223	221	2	2	2	NUM
easat-9223	221	3	-	-	PUNCT
easat-9223	221	4	tailed	tailed	ADJ
easat-9223	221	5	)	)	PUNCT
easat-9223	221	6	0.200	0.200	NUM
easat-9223	221	7	4.4	4.4	NUM
easat-9223	221	8	.	.	PUNCT
easat-9223	222	1	heteroscedasticity	heteroscedasticity	NOUN
easat-9223	222	2	test	test	NOUN
easat-9223	222	3	finding	find	VERB
easat-9223	222	4	out	out	ADP
easat-9223	222	5	whether	whether	SCONJ
easat-9223	222	6	different	different	ADJ
easat-9223	222	7	observations	observation	NOUN
easat-9223	222	8	have	have	VERB
easat-9223	222	9	different	different	ADJ
easat-9223	222	10	residual	residual	ADJ
easat-9223	222	11	variances	variance	NOUN
easat-9223	222	12	in	in	ADP
easat-9223	222	13	the	the	DET
easat-9223	222	14	regression	regression	NOUN
easat-9223	222	15	model	model	NOUN
easat-9223	222	16	is	be	AUX
easat-9223	222	17	what	what	PRON
easat-9223	222	18	the	the	DET
easat-9223	222	19	heteroscedasticity	heteroscedasticity	NOUN
easat-9223	222	20	test	test	NOUN
easat-9223	222	21	is	be	AUX
easat-9223	222	22	all	all	ADV
easat-9223	222	23	about	about	ADP
easat-9223	222	24	[	[	X
easat-9223	222	25	55	55	NUM
easat-9223	222	26	]	]	PUNCT
easat-9223	222	27	.	.	PUNCT
easat-9223	223	1	heteroscedasticity	heteroscedasticity	NOUN
easat-9223	223	2	signifies	signify	VERB
easat-9223	223	3	that	that	SCONJ
easat-9223	223	4	the	the	DET
easat-9223	223	5	residual	residual	ADJ
easat-9223	223	6	variance	variance	NOUN
easat-9223	223	7	is	be	AUX
easat-9223	223	8	not	not	PART
easat-9223	223	9	uniform	uniform	ADJ
easat-9223	223	10	throughout	throughout	ADP
easat-9223	223	11	the	the	DET
easat-9223	223	12	data	data	NOUN
easat-9223	223	13	range	range	NOUN
easat-9223	223	14	,	,	PUNCT
easat-9223	223	15	which	which	PRON
easat-9223	223	16	may	may	AUX
easat-9223	223	17	influence	influence	VERB
easat-9223	223	18	the	the	DET
easat-9223	223	19	precision	precision	NOUN
easat-9223	223	20	of	of	ADP
easat-9223	223	21	regression	regression	NOUN
easat-9223	223	22	estimates	estimate	NOUN
easat-9223	223	23	.	.	PUNCT
easat-9223	224	1	a	a	DET
easat-9223	224	2	model	model	NOUN
easat-9223	224	3	is	be	AUX
easat-9223	224	4	deemed	deem	VERB
easat-9223	224	5	effective	effective	ADJ
easat-9223	224	6	when	when	SCONJ
easat-9223	224	7	it	it	PRON
easat-9223	224	8	does	do	AUX
easat-9223	224	9	not	not	PART
easat-9223	224	10	show	show	VERB
easat-9223	224	11	signs	sign	NOUN
easat-9223	224	12	of	of	ADP
easat-9223	224	13	heteroscedasticity	heteroscedasticity	NOUN
easat-9223	224	14	.	.	PUNCT
easat-9223	225	1	this	this	DET
easat-9223	225	2	study	study	NOUN
easat-9223	225	3	used	use	VERB
easat-9223	225	4	the	the	DET
easat-9223	225	5	glejser	glejser	NOUN
easat-9223	225	6	test	test	NOUN
easat-9223	225	7	to	to	PART
easat-9223	225	8	detect	detect	VERB
easat-9223	225	9	heteroscedasticity	heteroscedasticity	NOUN
easat-9223	225	10	.	.	PUNCT
easat-9223	226	1	a	a	DET
easat-9223	226	2	significance	significance	NOUN
easat-9223	226	3	value	value	NOUN
easat-9223	226	4	above	above	ADP
easat-9223	226	5	0.05	0.05	NUM
easat-9223	226	6	indicates	indicate	VERB
easat-9223	226	7	no	no	DET
easat-9223	226	8	heteroscedasticity	heteroscedasticity	NOUN
easat-9223	226	9	,	,	PUNCT
easat-9223	226	10	while	while	SCONJ
easat-9223	226	11	a	a	DET
easat-9223	226	12	value	value	NOUN
easat-9223	226	13	below	below	ADP
easat-9223	226	14	0.05	0.05	NUM
easat-9223	226	15	suggests	suggest	VERB
easat-9223	226	16	its	its	PRON
easat-9223	226	17	presence	presence	NOUN
easat-9223	226	18	.	.	PUNCT
easat-9223	227	1	all	all	DET
easat-9223	227	2	variables	variable	NOUN
easat-9223	227	3	in	in	ADP
easat-9223	227	4	this	this	DET
easat-9223	227	5	study	study	NOUN
easat-9223	227	6	's	's	PART
easat-9223	227	7	regression	regression	NOUN
easat-9223	227	8	model	model	NOUN
easat-9223	227	9	have	have	VERB
easat-9223	227	10	sig	sig	NOUN
easat-9223	227	11	.	.	PUNCT
easat-9223	228	1	values	value	NOUN
easat-9223	228	2	above	above	ADP
easat-9223	228	3	0.05	0.05	NUM
easat-9223	228	4	,	,	PUNCT
easat-9223	228	5	according	accord	VERB
easat-9223	228	6	to	to	ADP
easat-9223	228	7	spss	spss	PROPN
easat-9223	228	8	output	output	NOUN
easat-9223	228	9	,	,	PUNCT
easat-9223	228	10	ruling	rule	VERB
easat-9223	228	11	out	out	ADP
easat-9223	228	12	the	the	DET
easat-9223	228	13	possibility	possibility	NOUN
easat-9223	228	14	of	of	ADP
easat-9223	228	15	heteroscedasticity	heteroscedasticity	PROPN
easat-9223	228	16	.	.	PUNCT
easat-9223	229	1	table	table	NOUN
easat-9223	229	2	5	5	NUM
easat-9223	229	3	.	.	PUNCT
easat-9223	229	4	heteroscedasticity	heteroscedasticity	NOUN
easat-9223	229	5	test	test	NOUN
easat-9223	229	6	.	.	PUNCT
easat-9223	230	1	coefficients	coefficient	NOUN
easat-9223	230	2	model	model	PROPN
easat-9223	230	3	sig	sig	PROPN
easat-9223	230	4	.	.	PUNCT
easat-9223	231	1	(	(	PUNCT
easat-9223	231	2	constant	constant	ADJ
easat-9223	231	3	)	)	PUNCT
easat-9223	231	4	0.062	0.062	NUM
easat-9223	231	5	financial	financial	ADJ
easat-9223	231	6	literacy	literacy	NOUN
easat-9223	231	7	0.052	0.052	NUM
easat-9223	231	8	financial	financial	ADJ
easat-9223	231	9	attitude	attitude	NOUN
easat-9223	231	10	0.530	0.530	NUM
easat-9223	231	11	lifestyle	lifestyle	NOUN
easat-9223	231	12	0.790	0.790	NUM
easat-9223	231	13	locus	locus	NOUN
easat-9223	231	14	of	of	ADP
easat-9223	231	15	control	control	NOUN
easat-9223	231	16	0.101	0.101	NUM
easat-9223	231	17	4.5	4.5	NUM
easat-9223	231	18	.	.	PUNCT
easat-9223	232	1	multicollinearity	multicollinearity	NOUN
easat-9223	232	2	test	test	NOUN
easat-9223	232	3	the	the	DET
easat-9223	232	4	multicollinearity	multicollinearity	NOUN
easat-9223	232	5	assessment	assessment	NOUN
easat-9223	232	6	serves	serve	VERB
easat-9223	232	7	as	as	ADP
easat-9223	232	8	a	a	DET
easat-9223	232	9	statistical	statistical	ADJ
easat-9223	232	10	technique	technique	NOUN
easat-9223	232	11	to	to	PART
easat-9223	232	12	determine	determine	VERB
easat-9223	232	13	whether	whether	SCONJ
easat-9223	232	14	independent	independent	ADJ
easat-9223	232	15	variables	variable	NOUN
easat-9223	232	16	in	in	ADP
easat-9223	232	17	a	a	DET
easat-9223	232	18	regression	regression	NOUN
easat-9223	232	19	model	model	NOUN
easat-9223	232	20	have	have	VERB
easat-9223	232	21	a	a	DET
easat-9223	232	22	significant	significant	ADJ
easat-9223	232	23	linear	linear	ADJ
easat-9223	232	24	relationship	relationship	NOUN
easat-9223	232	25	.	.	PUNCT
easat-9223	233	1	the	the	DET
easat-9223	233	2	stability	stability	NOUN
easat-9223	233	3	of	of	ADP
easat-9223	233	4	the	the	DET
easat-9223	233	5	regression	regression	NOUN
easat-9223	233	6	coefficient	coefficient	NOUN
easat-9223	233	7	estimates	estimate	NOUN
easat-9223	233	8	,	,	PUNCT
easat-9223	233	9	and	and	CCONJ
easat-9223	233	10	the	the	DET
easat-9223	233	11	interpretation	interpretation	NOUN
easat-9223	233	12	of	of	ADP
easat-9223	233	13	the	the	DET
easat-9223	233	14	analytical	analytical	ADJ
easat-9223	233	15	results	result	NOUN
easat-9223	233	16	can	can	AUX
easat-9223	233	17	be	be	AUX
easat-9223	233	18	complicated	complicate	VERB
easat-9223	233	19	by	by	ADP
easat-9223	233	20	multicollinearity	multicollinearity	NOUN
easat-9223	233	21	,	,	PUNCT
easat-9223	233	22	which	which	PRON
easat-9223	233	23	is	be	AUX
easat-9223	233	24	defined	define	VERB
easat-9223	233	25	as	as	ADP
easat-9223	233	26	strong	strong	ADJ
easat-9223	233	27	correlations	correlation	NOUN
easat-9223	233	28	between	between	ADP
easat-9223	233	29	two	two	NUM
easat-9223	233	30	or	or	CCONJ
easat-9223	233	31	more	more	ADV
easat-9223	233	32	independent	independent	ADJ
easat-9223	233	33	variables	variable	NOUN
easat-9223	233	34	.	.	PUNCT
easat-9223	234	1	that	that	DET
easat-9223	234	2	test	test	NOUN
easat-9223	234	3	was	be	AUX
easat-9223	234	4	carried	carry	VERB
easat-9223	234	5	out	out	ADP
easat-9223	234	6	by	by	ADP
easat-9223	234	7	examining	examine	VERB
easat-9223	234	8	the	the	DET
easat-9223	234	9	tolerance	tolerance	NOUN
easat-9223	234	10	scores	score	NOUN
easat-9223	234	11	and	and	CCONJ
easat-9223	234	12	the	the	DET
easat-9223	234	13	variance	variance	NOUN
easat-9223	234	14	inflation	inflation	NOUN
easat-9223	234	15	factor	factor	NOUN
easat-9223	234	16	(	(	PUNCT
easat-9223	234	17	vif	vif	PROPN
easat-9223	234	18	)	)	PUNCT
easat-9223	234	19	.	.	PUNCT
easat-9223	235	1	with	with	ADP
easat-9223	235	2	a	a	DET
easat-9223	235	3	tolerance	tolerance	NOUN
easat-9223	235	4	score	score	NOUN
easat-9223	235	5	near	near	ADP
easat-9223	235	6	1	1	NUM
easat-9223	235	7	and	and	CCONJ
easat-9223	235	8	a	a	DET
easat-9223	235	9	vif	vif	NOUN
easat-9223	235	10	figure	figure	NOUN
easat-9223	235	11	below	below	ADP
easat-9223	235	12	10	10	NUM
easat-9223	235	13	,	,	PUNCT
easat-9223	235	14	multicollinearity	multicollinearity	NOUN
easat-9223	235	15	is	be	AUX
easat-9223	235	16	deemed	deem	VERB
easat-9223	235	17	absent	absent	ADJ
easat-9223	235	18	in	in	ADP
easat-9223	235	19	a	a	DET
easat-9223	235	20	regression	regression	NOUN
easat-9223	235	21	model	model	NOUN
easat-9223	235	22	.	.	PUNCT
easat-9223	236	1	the	the	DET
easat-9223	236	2	spss	spss	PROPN
easat-9223	236	3	output	output	NOUN
easat-9223	236	4	shows	show	VERB
easat-9223	236	5	all	all	DET
easat-9223	236	6	model	model	NOUN
easat-9223	236	7	variables	variable	NOUN
easat-9223	236	8	with	with	ADP
easat-9223	236	9	tolerance	tolerance	NOUN
easat-9223	236	10	scores	score	NOUN
easat-9223	236	11	near	near	ADP
easat-9223	236	12	1	1	NUM
easat-9223	236	13	and	and	CCONJ
easat-9223	236	14	vif	vif	NOUN
easat-9223	236	15	figures	figure	NOUN
easat-9223	236	16	below	below	ADP
easat-9223	236	17	10	10	NUM
easat-9223	236	18	,	,	PUNCT
easat-9223	236	19	indicating	indicate	VERB
easat-9223	236	20	no	no	DET
easat-9223	236	21	multicollinearity	multicollinearity	NOUN
easat-9223	236	22	in	in	ADP
easat-9223	236	23	this	this	DET
easat-9223	236	24	study	study	NOUN
easat-9223	236	25	's	's	PART
easat-9223	236	26	regression	regression	NOUN
easat-9223	236	27	model	model	NOUN
easat-9223	236	28	.	.	PUNCT
easat-9223	237	1	table	table	NOUN
easat-9223	237	2	6	6	NUM
easat-9223	237	3	.	.	PUNCT
easat-9223	238	1	multicollinearity	multicollinearity	NOUN
easat-9223	238	2	test	test	NOUN
easat-9223	238	3	.	.	PUNCT
easat-9223	239	1	coefficients	coefficient	NOUN
easat-9223	239	2	model	model	PROPN
easat-9223	239	3	collinearity	collinearity	PROPN
easat-9223	239	4	statistics	statistic	NOUN
easat-9223	239	5	tolerance	tolerance	NOUN
easat-9223	239	6	vif	vif	NOUN
easat-9223	239	7	(	(	PUNCT
easat-9223	239	8	constant	constant	ADJ
easat-9223	239	9	)	)	PUNCT
easat-9223	239	10	financial	financial	ADJ
easat-9223	239	11	literacy	literacy	NOUN
easat-9223	239	12	0.336	0.336	NUM
easat-9223	239	13	2.977	2.977	NUM
easat-9223	239	14	financial	financial	ADJ
easat-9223	239	15	attitude	attitude	NOUN
easat-9223	239	16	0.361	0.361	NUM
easat-9223	239	17	2.773	2.773	NUM
easat-9223	239	18	lifestyle	lifestyle	NOUN
easat-9223	239	19	0.325	0.325	NUM
easat-9223	239	20	3.072	3.072	NUM
easat-9223	239	21	locus	locus	NOUN
easat-9223	239	22	of	of	ADP
easat-9223	239	23	control	control	NOUN
easat-9223	239	24	0.340	0.340	NUM
easat-9223	239	25	2.942	2.942	NUM
easat-9223	239	26	104	104	NUM
easat-9223	239	27	edelweiss	edelweiss	PROPN
easat-9223	239	28	applied	apply	VERB
easat-9223	239	29	science	science	NOUN
easat-9223	239	30	and	and	CCONJ
easat-9223	239	31	technology	technology	NOUN
easat-9223	239	32	issn	issn	PROPN
easat-9223	239	33	:	:	PUNCT
easat-9223	239	34	2576	2576	NUM
easat-9223	239	35	-	-	SYM
easat-9223	239	36	8484	8484	NUM
easat-9223	239	37	vol	vol	NOUN
easat-9223	239	38	.	.	PROPN
easat-9223	240	1	9	9	NUM
easat-9223	240	2	,	,	PUNCT
easat-9223	240	3	no	no	INTJ
easat-9223	240	4	.	.	NOUN
easat-9223	240	5	8	8	NUM
easat-9223	240	6	:	:	SYM
easat-9223	240	7	95	95	NUM
easat-9223	240	8	-	-	SYM
easat-9223	240	9	112	112	NUM
easat-9223	240	10	,	,	PUNCT
easat-9223	240	11	2025	2025	NUM
easat-9223	240	12	doi	doi	NOUN
easat-9223	240	13	:	:	PUNCT
easat-9223	240	14	10.55214/2576	10.55214/2576	NUM
easat-9223	240	15	-	-	PUNCT
easat-9223	240	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	240	17	©	©	PROPN
easat-9223	240	18	2025	2025	NUM
easat-9223	240	19	by	by	ADP
easat-9223	240	20	the	the	DET
easat-9223	240	21	authors	author	NOUN
easat-9223	240	22	;	;	PUNCT
easat-9223	240	23	licensee	licensee	PROPN
easat-9223	240	24	learning	learning	NOUN
easat-9223	240	25	gate	gate	NOUN
easat-9223	240	26	4.6	4.6	NUM
easat-9223	240	27	.	.	PUNCT
easat-9223	241	1	multiple	multiple	ADJ
easat-9223	241	2	linear	linear	PROPN
easat-9223	241	3	regression	regression	NOUN
easat-9223	241	4	test	test	NOUN
easat-9223	241	5	before	before	ADP
easat-9223	241	6	moderation	moderation	NOUN
easat-9223	241	7	and	and	CCONJ
easat-9223	241	8	hypothesis	hypothesis	NOUN
easat-9223	241	9	testing	testing	NOUN
easat-9223	241	10	to	to	PART
easat-9223	241	11	determine	determine	VERB
easat-9223	241	12	the	the	DET
easat-9223	241	13	multiple	multiple	ADJ
easat-9223	241	14	regression	regression	NOUN
easat-9223	241	15	equation	equation	NOUN
easat-9223	241	16	,	,	PUNCT
easat-9223	241	17	an	an	DET
easat-9223	241	18	analysis	analysis	NOUN
easat-9223	241	19	was	be	AUX
easat-9223	241	20	conducted	conduct	VERB
easat-9223	241	21	on	on	ADP
easat-9223	241	22	the	the	DET
easat-9223	241	23	regression	regression	NOUN
easat-9223	241	24	coefficients	coefficient	NOUN
easat-9223	241	25	obtained	obtain	VERB
easat-9223	241	26	from	from	ADP
easat-9223	241	27	the	the	DET
easat-9223	241	28	data	datum	NOUN
easat-9223	241	29	processing	processing	NOUN
easat-9223	241	30	results	result	NOUN
easat-9223	241	31	.	.	PUNCT
easat-9223	242	1	table	table	NOUN
easat-9223	242	2	7	7	NUM
easat-9223	242	3	.	.	PUNCT
easat-9223	242	4	multiple	multiple	ADJ
easat-9223	242	5	linear	linear	PROPN
easat-9223	242	6	regression	regression	NOUN
easat-9223	242	7	test	test	NOUN
easat-9223	242	8	before	before	ADP
easat-9223	242	9	moderation	moderation	NOUN
easat-9223	242	10	and	and	CCONJ
easat-9223	242	11	hypothesis	hypothesis	NOUN
easat-9223	242	12	testing	testing	NOUN
easat-9223	242	13	.	.	PUNCT
easat-9223	243	1	coefficients	coefficient	NOUN
easat-9223	243	2	model	model	PROPN
easat-9223	243	3	unstandardized	unstandardized	ADJ
easat-9223	243	4	coefficients	coefficient	NOUN
easat-9223	243	5	t	t	PROPN
easat-9223	243	6	sig	sig	NOUN
easat-9223	243	7	.	.	PUNCT
easat-9223	244	1	b	b	X
easat-9223	244	2	std	std	PROPN
easat-9223	244	3	.	.	NOUN
easat-9223	244	4	error	error	NOUN
easat-9223	244	5	(	(	PUNCT
easat-9223	244	6	constant	constant	ADJ
easat-9223	244	7	)	)	PUNCT
easat-9223	244	8	3.248	3.248	NUM
easat-9223	244	9	1.143	1.143	NUM
easat-9223	244	10	2.842	2.842	NUM
easat-9223	244	11	0.005	0.005	NUM
easat-9223	244	12	financial	financial	ADJ
easat-9223	244	13	literacy	literacy	NOUN
easat-9223	244	14	0.374	0.374	NUM
easat-9223	244	15	0.048	0.048	NUM
easat-9223	244	16	7.713	7.713	NUM
easat-9223	244	17	0.000	0.000	NUM
easat-9223	244	18	financial	financial	ADJ
easat-9223	244	19	attitude	attitude	NOUN
easat-9223	244	20	0.254	0.254	NUM
easat-9223	244	21	0.048	0.048	NUM
easat-9223	244	22	5.336	5.336	NUM
easat-9223	244	23	0.000	0.000	NUM
easat-9223	244	24	lifestyle	lifestyle	NOUN
easat-9223	244	25	0.283	0.283	NUM
easat-9223	244	26	0.048	0.048	NUM
easat-9223	244	27	5.888	5.888	NUM
easat-9223	244	28	0.000	0.000	NUM
easat-9223	244	29	the	the	DET
easat-9223	244	30	regression	regression	NOUN
easat-9223	244	31	equation	equation	NOUN
easat-9223	244	32	in	in	ADP
easat-9223	244	33	this	this	DET
easat-9223	244	34	study	study	NOUN
easat-9223	244	35	is	be	AUX
easat-9223	244	36	written	write	VERB
easat-9223	244	37	as	as	SCONJ
easat-9223	244	38	follows	follow	VERB
easat-9223	244	39	:	:	PUNCT
easat-9223	244	40	y	y	PROPN
easat-9223	244	41	=	=	PUNCT
easat-9223	245	1	a	a	DET
easat-9223	245	2	+	+	X
easat-9223	245	3	b1x1	b1x1	NOUN
easat-9223	246	1	+	+	SYM
easat-9223	246	2	b2x2	b2x2	ADP
easat-9223	246	3	+	+	NUM
easat-9223	246	4	b3x3	b3x3	X
easat-9223	246	5	+	+	NOUN
easat-9223	246	6	e	e	X
easat-9223	246	7	y	y	NOUN
easat-9223	246	8	=	=	PROPN
easat-9223	246	9	3.248	3.248	NUM
easat-9223	246	10	+	+	CCONJ
easat-9223	246	11	0.374x₁	0.374x₁	NUM
easat-9223	247	1	+	+	CCONJ
easat-9223	247	2	0.254x₂	0.254x₂	X
easat-9223	247	3	+	+	CCONJ
easat-9223	247	4	0.283x₃	0.283x₃	NOUN
easat-9223	248	1	+	+	CCONJ
easat-9223	248	2	e	e	X
easat-9223	248	3	based	base	VERB
easat-9223	248	4	on	on	ADP
easat-9223	248	5	the	the	DET
easat-9223	248	6	equation	equation	NOUN
easat-9223	248	7	,	,	PUNCT
easat-9223	248	8	each	each	DET
easat-9223	248	9	independent	independent	ADJ
easat-9223	248	10	variable	variable	NOUN
easat-9223	248	11	shows	show	VERB
easat-9223	248	12	a	a	DET
easat-9223	248	13	positive	positive	ADJ
easat-9223	248	14	contribution	contribution	NOUN
easat-9223	248	15	to	to	ADP
easat-9223	248	16	financial	financial	ADJ
easat-9223	248	17	management	management	NOUN
easat-9223	248	18	behavior	behavior	NOUN
easat-9223	248	19	.	.	PUNCT
easat-9223	249	1	when	when	SCONJ
easat-9223	249	2	all	all	DET
easat-9223	249	3	independent	independent	ADJ
easat-9223	249	4	variables	variable	NOUN
easat-9223	249	5	are	be	AUX
easat-9223	249	6	assigned	assign	VERB
easat-9223	249	7	a	a	DET
easat-9223	249	8	value	value	NOUN
easat-9223	249	9	of	of	ADP
easat-9223	249	10	zero	zero	NUM
easat-9223	249	11	,	,	PUNCT
easat-9223	249	12	the	the	DET
easat-9223	249	13	value	value	NOUN
easat-9223	249	14	of	of	ADP
easat-9223	249	15	y	y	PROPN
easat-9223	249	16	is	be	AUX
easat-9223	249	17	denoted	denote	VERB
easat-9223	249	18	by	by	ADP
easat-9223	249	19	the	the	DET
easat-9223	249	20	constant	constant	ADJ
easat-9223	249	21	coefficient	coefficient	NOUN
easat-9223	249	22	of	of	ADP
easat-9223	249	23	3.248	3.248	NUM
easat-9223	249	24	.	.	PUNCT
easat-9223	250	1	each	each	DET
easat-9223	250	2	regression	regression	NOUN
easat-9223	250	3	coefficient	coefficient	NOUN
easat-9223	250	4	indicates	indicate	VERB
easat-9223	250	5	an	an	DET
easat-9223	250	6	increase	increase	NOUN
easat-9223	250	7	in	in	ADP
easat-9223	250	8	y	y	NOUN
easat-9223	250	9	by	by	ADP
easat-9223	250	10	0.374	0.374	NUM
easat-9223	250	11	(	(	PUNCT
easat-9223	250	12	x₁	x₁	PROPN
easat-9223	250	13	)	)	PUNCT
easat-9223	250	14	,	,	PUNCT
easat-9223	250	15	0.254	0.254	NUM
easat-9223	250	16	(	(	PUNCT
easat-9223	250	17	x₂	x₂	ADJ
easat-9223	250	18	)	)	PUNCT
easat-9223	250	19	,	,	PUNCT
easat-9223	250	20	and	and	CCONJ
easat-9223	250	21	0.283	0.283	NUM
easat-9223	250	22	(	(	PUNCT
easat-9223	250	23	x₃	x₃	PROPN
easat-9223	250	24	)	)	PUNCT
easat-9223	250	25	for	for	ADP
easat-9223	250	26	every	every	DET
easat-9223	250	27	one	one	NUM
easat-9223	250	28	-	-	PUNCT
easat-9223	250	29	unit	unit	NOUN
easat-9223	250	30	rise	rise	NOUN
easat-9223	250	31	in	in	ADP
easat-9223	250	32	each	each	DET
easat-9223	250	33	respective	respective	ADJ
easat-9223	250	34	variable	variable	NOUN
easat-9223	250	35	,	,	PUNCT
easat-9223	250	36	provided	provide	VERB
easat-9223	250	37	that	that	SCONJ
easat-9223	250	38	the	the	DET
easat-9223	250	39	other	other	ADJ
easat-9223	250	40	variables	variable	NOUN
easat-9223	250	41	remain	remain	VERB
easat-9223	250	42	unchanged	unchanged	ADJ
easat-9223	250	43	.	.	PUNCT
easat-9223	251	1	in	in	ADP
easat-9223	251	2	multiple	multiple	ADJ
easat-9223	251	3	linear	linear	ADJ
easat-9223	251	4	regression	regression	NOUN
easat-9223	251	5	analysis	analysis	NOUN
easat-9223	251	6	,	,	PUNCT
easat-9223	251	7	the	the	DET
easat-9223	251	8	partial	partial	ADJ
easat-9223	251	9	t	t	NOUN
easat-9223	251	10	-	-	PUNCT
easat-9223	251	11	test	test	NOUN
easat-9223	251	12	is	be	AUX
easat-9223	251	13	used	use	VERB
easat-9223	251	14	to	to	PART
easat-9223	251	15	evaluate	evaluate	VERB
easat-9223	251	16	the	the	DET
easat-9223	251	17	unique	unique	ADJ
easat-9223	251	18	contribution	contribution	NOUN
easat-9223	251	19	of	of	ADP
easat-9223	251	20	each	each	DET
easat-9223	251	21	independent	independent	ADJ
easat-9223	251	22	variable	variable	NOUN
easat-9223	251	23	to	to	ADP
easat-9223	251	24	the	the	DET
easat-9223	251	25	dependent	dependent	ADJ
easat-9223	251	26	variable	variable	NOUN
easat-9223	251	27	while	while	SCONJ
easat-9223	251	28	accounting	account	VERB
easat-9223	251	29	for	for	ADP
easat-9223	251	30	the	the	DET
easat-9223	251	31	influence	influence	NOUN
easat-9223	251	32	of	of	ADP
easat-9223	251	33	the	the	DET
easat-9223	251	34	others	other	NOUN
easat-9223	251	35	.	.	PUNCT
easat-9223	252	1	this	this	DET
easat-9223	252	2	study	study	NOUN
easat-9223	252	3	applies	apply	VERB
easat-9223	252	4	a	a	DET
easat-9223	252	5	two	two	NUM
easat-9223	252	6	-	-	PUNCT
easat-9223	252	7	tailed	tail	VERB
easat-9223	252	8	significance	significance	NOUN
easat-9223	252	9	level	level	NOUN
easat-9223	252	10	of	of	ADP
easat-9223	252	11	α	α	NOUN
easat-9223	252	12	=	=	NOUN
easat-9223	252	13	0.05	0.05	NUM
easat-9223	252	14	,	,	PUNCT
easat-9223	252	15	which	which	PRON
easat-9223	252	16	results	result	VERB
easat-9223	252	17	in	in	ADP
easat-9223	252	18	α/2	α/2	NUM
easat-9223	252	19	=	=	SYM
easat-9223	252	20	0.025	0.025	NUM
easat-9223	252	21	and	and	CCONJ
easat-9223	252	22	degrees	degree	NOUN
easat-9223	252	23	of	of	ADP
easat-9223	252	24	freedom	freedom	NOUN
easat-9223	252	25	(	(	PUNCT
easat-9223	252	26	df	df	NOUN
easat-9223	252	27	)	)	PUNCT
easat-9223	252	28	of	of	ADP
easat-9223	252	29	396	396	NUM
easat-9223	252	30	(	(	PUNCT
easat-9223	252	31	n	n	NOUN
easat-9223	252	32	–	–	PUNCT
easat-9223	252	33	k	k	X
easat-9223	252	34	–	–	PUNCT
easat-9223	252	35	1	1	NUM
easat-9223	252	36	=	=	SYM
easat-9223	252	37	400	400	NUM
easat-9223	252	38	–	–	PUNCT
easat-9223	252	39	3	3	NUM
easat-9223	252	40	–	–	SYM
easat-9223	252	41	1	1	NUM
easat-9223	252	42	)	)	PUNCT
easat-9223	252	43	.	.	PUNCT
easat-9223	253	1	the	the	DET
easat-9223	253	2	corresponding	corresponding	ADJ
easat-9223	253	3	t	t	PROPN
easat-9223	253	4	-	-	PUNCT
easat-9223	253	5	table	table	NOUN
easat-9223	253	6	score	score	NOUN
easat-9223	253	7	is	be	AUX
easat-9223	253	8	1.966	1.966	NUM
easat-9223	253	9	,	,	PUNCT
easat-9223	253	10	based	base	VERB
easat-9223	253	11	on	on	ADP
easat-9223	253	12	the	the	DET
easat-9223	253	13	tdistribution	tdistribution	NOUN
easat-9223	253	14	.	.	PUNCT
easat-9223	254	1	according	accord	VERB
easat-9223	254	2	to	to	ADP
easat-9223	254	3	the	the	DET
easat-9223	254	4	decision	decision	NOUN
easat-9223	254	5	rule	rule	NOUN
easat-9223	254	6	,	,	PUNCT
easat-9223	254	7	an	an	DET
easat-9223	254	8	independent	independent	ADJ
easat-9223	254	9	variable	variable	NOUN
easat-9223	254	10	is	be	AUX
easat-9223	254	11	deemed	deem	VERB
easat-9223	254	12	to	to	PART
easat-9223	254	13	have	have	VERB
easat-9223	254	14	a	a	DET
easat-9223	254	15	significant	significant	ADJ
easat-9223	254	16	effect	effect	NOUN
easat-9223	254	17	if	if	SCONJ
easat-9223	254	18	the	the	DET
easat-9223	254	19	significance	significance	NOUN
easat-9223	254	20	level	level	NOUN
easat-9223	254	21	is	be	AUX
easat-9223	254	22	below	below	ADP
easat-9223	254	23	0.05	0.05	NUM
easat-9223	254	24	and	and	CCONJ
easat-9223	254	25	the	the	DET
easat-9223	254	26	calculated	calculated	ADJ
easat-9223	254	27	t	t	NOUN
easat-9223	254	28	-	-	PUNCT
easat-9223	254	29	value	value	NOUN
easat-9223	254	30	exceeds	exceed	VERB
easat-9223	254	31	1.966	1.966	NUM
easat-9223	254	32	.	.	PUNCT
easat-9223	255	1	the	the	DET
easat-9223	255	2	partial	partial	ADJ
easat-9223	255	3	t	t	PROPN
easat-9223	255	4	-	-	PUNCT
easat-9223	255	5	test	test	NOUN
easat-9223	255	6	results	result	NOUN
easat-9223	255	7	indicate	indicate	VERB
easat-9223	255	8	that	that	PRON
easat-9223	255	9	:	:	PUNCT
easat-9223	255	10	a.	a.	NOUN
easat-9223	255	11	the	the	DET
easat-9223	255	12	t	t	NOUN
easat-9223	255	13	-	-	PUNCT
easat-9223	255	14	value	value	NOUN
easat-9223	255	15	for	for	ADP
easat-9223	255	16	financial	financial	ADJ
easat-9223	255	17	literacy	literacy	NOUN
easat-9223	255	18	(	(	PUNCT
easat-9223	255	19	x₁	x₁	PROPN
easat-9223	255	20	)	)	PUNCT
easat-9223	255	21	was	be	AUX
easat-9223	255	22	measured	measure	VERB
easat-9223	255	23	at	at	ADP
easat-9223	255	24	7.713	7.713	NUM
easat-9223	255	25	,	,	PUNCT
easat-9223	255	26	exceeding	exceed	VERB
easat-9223	255	27	the	the	DET
easat-9223	255	28	t	t	NOUN
easat-9223	255	29	-	-	PUNCT
easat-9223	255	30	table	table	NOUN
easat-9223	255	31	threshold	threshold	NOUN
easat-9223	255	32	of	of	ADP
easat-9223	255	33	1.966	1.966	NUM
easat-9223	255	34	.	.	PUNCT
easat-9223	256	1	moreover	moreover	ADV
easat-9223	256	2	,	,	PUNCT
easat-9223	256	3	the	the	DET
easat-9223	256	4	p	p	NOUN
easat-9223	256	5	-	-	PUNCT
easat-9223	256	6	value	value	NOUN
easat-9223	256	7	stood	stand	VERB
easat-9223	256	8	at	at	ADP
easat-9223	256	9	0.000	0.000	NUM
easat-9223	256	10	,	,	PUNCT
easat-9223	256	11	falling	fall	VERB
easat-9223	256	12	below	below	ADP
easat-9223	256	13	the	the	DET
easat-9223	256	14	0.05	0.05	NUM
easat-9223	256	15	benchmark	benchmark	NOUN
easat-9223	256	16	.	.	PUNCT
easat-9223	257	1	these	these	DET
easat-9223	257	2	results	result	NOUN
easat-9223	257	3	indicate	indicate	VERB
easat-9223	257	4	that	that	SCONJ
easat-9223	257	5	financial	financial	ADJ
easat-9223	257	6	literacy	literacy	NOUN
easat-9223	257	7	exerts	exert	VERB
easat-9223	257	8	a	a	DET
easat-9223	257	9	significant	significant	ADJ
easat-9223	257	10	and	and	CCONJ
easat-9223	257	11	positive	positive	ADJ
easat-9223	257	12	influence	influence	NOUN
easat-9223	257	13	on	on	ADP
easat-9223	257	14	financial	financial	ADJ
easat-9223	257	15	management	management	NOUN
easat-9223	257	16	behavior	behavior	NOUN
easat-9223	257	17	.	.	PUNCT
easat-9223	258	1	b.	b.	PROPN
easat-9223	258	2	the	the	DET
easat-9223	258	3	t	t	NOUN
easat-9223	258	4	-	-	PUNCT
easat-9223	258	5	value	value	NOUN
easat-9223	258	6	for	for	ADP
easat-9223	258	7	financial	financial	ADJ
easat-9223	258	8	attitude	attitude	NOUN
easat-9223	258	9	(	(	PUNCT
easat-9223	258	10	x₂	x₂	NOUN
easat-9223	258	11	)	)	PUNCT
easat-9223	258	12	is	be	AUX
easat-9223	258	13	5.336	5.336	NUM
easat-9223	258	14	,	,	PUNCT
easat-9223	258	15	which	which	PRON
easat-9223	258	16	exceeds	exceed	VERB
easat-9223	258	17	the	the	DET
easat-9223	258	18	t	t	NOUN
easat-9223	258	19	-	-	PUNCT
easat-9223	258	20	table	table	NOUN
easat-9223	258	21	value	value	NOUN
easat-9223	258	22	of	of	ADP
easat-9223	258	23	1.966	1.966	NUM
easat-9223	258	24	,	,	PUNCT
easat-9223	258	25	and	and	CCONJ
easat-9223	258	26	the	the	DET
easat-9223	258	27	significance	significance	NOUN
easat-9223	258	28	value	value	NOUN
easat-9223	258	29	is	be	AUX
easat-9223	258	30	0.000	0.000	NUM
easat-9223	258	31	,	,	PUNCT
easat-9223	258	32	which	which	PRON
easat-9223	258	33	is	be	AUX
easat-9223	258	34	beneath	beneath	ADP
easat-9223	258	35	the	the	DET
easat-9223	258	36	threshold	threshold	NOUN
easat-9223	258	37	of	of	ADP
easat-9223	258	38	0.05	0.05	NUM
easat-9223	258	39	.	.	PUNCT
easat-9223	259	1	consequently	consequently	ADV
easat-9223	259	2	,	,	PUNCT
easat-9223	259	3	financial	financial	ADJ
easat-9223	259	4	attitude	attitude	NOUN
easat-9223	259	5	exerts	exert	VERB
easat-9223	259	6	a	a	DET
easat-9223	259	7	considerable	considerable	ADJ
easat-9223	259	8	and	and	CCONJ
easat-9223	259	9	advantageous	advantageous	ADJ
easat-9223	259	10	influence	influence	NOUN
easat-9223	259	11	on	on	ADP
easat-9223	259	12	financial	financial	ADJ
easat-9223	259	13	management	management	NOUN
easat-9223	259	14	behavior	behavior	NOUN
easat-9223	259	15	.	.	PUNCT
easat-9223	260	1	c.	c.	PROPN
easat-9223	260	2	lifestyle	lifestyle	PROPN
easat-9223	260	3	(	(	PUNCT
easat-9223	260	4	x₃	x₃	PROPN
easat-9223	260	5	)	)	PUNCT
easat-9223	260	6	recorded	record	VERB
easat-9223	260	7	a	a	DET
easat-9223	260	8	t	t	NOUN
easat-9223	260	9	-	-	PUNCT
easat-9223	260	10	value	value	NOUN
easat-9223	260	11	of	of	ADP
easat-9223	260	12	5.888	5.888	NUM
easat-9223	260	13	,	,	PUNCT
easat-9223	260	14	which	which	PRON
easat-9223	260	15	exceeds	exceed	VERB
easat-9223	260	16	the	the	DET
easat-9223	260	17	t	t	NOUN
easat-9223	260	18	-	-	PUNCT
easat-9223	260	19	table	table	NOUN
easat-9223	260	20	value	value	NOUN
easat-9223	260	21	of	of	ADP
easat-9223	260	22	1.966	1.966	NUM
easat-9223	260	23	,	,	PUNCT
easat-9223	260	24	and	and	CCONJ
easat-9223	260	25	a	a	DET
easat-9223	260	26	p	p	NOUN
easat-9223	260	27	-	-	PUNCT
easat-9223	260	28	value	value	NOUN
easat-9223	260	29	of	of	ADP
easat-9223	260	30	0.000	0.000	NUM
easat-9223	260	31	,	,	PUNCT
easat-9223	260	32	which	which	PRON
easat-9223	260	33	falls	fall	VERB
easat-9223	260	34	below	below	ADP
easat-9223	260	35	the	the	DET
easat-9223	260	36	0.05	0.05	NUM
easat-9223	260	37	threshold	threshold	NOUN
easat-9223	260	38	.	.	PUNCT
easat-9223	261	1	this	this	PRON
easat-9223	261	2	indicates	indicate	VERB
easat-9223	261	3	that	that	SCONJ
easat-9223	261	4	lifestyle	lifestyle	NOUN
easat-9223	261	5	has	have	VERB
easat-9223	261	6	a	a	DET
easat-9223	261	7	significant	significant	ADJ
easat-9223	261	8	and	and	CCONJ
easat-9223	261	9	positive	positive	ADJ
easat-9223	261	10	influence	influence	NOUN
easat-9223	261	11	on	on	ADP
easat-9223	261	12	individuals	individual	NOUN
easat-9223	261	13	’	'	PUNCT
easat-9223	261	14	financial	financial	ADJ
easat-9223	261	15	behavior	behavior	NOUN
easat-9223	261	16	.	.	PUNCT
easat-9223	262	1	4.7	4.7	NUM
easat-9223	262	2	.	.	PUNCT
easat-9223	263	1	multiple	multiple	ADJ
easat-9223	263	2	linear	linear	PROPN
easat-9223	263	3	regression	regression	NOUN
easat-9223	263	4	test	test	NOUN
easat-9223	263	5	after	after	ADP
easat-9223	263	6	moderation	moderation	NOUN
easat-9223	263	7	and	and	CCONJ
easat-9223	263	8	hypothesis	hypothesis	NOUN
easat-9223	263	9	testing	testing	NOUN
easat-9223	263	10	to	to	PART
easat-9223	263	11	determine	determine	VERB
easat-9223	263	12	whether	whether	SCONJ
easat-9223	263	13	moderator	moderator	NOUN
easat-9223	263	14	variables	variable	NOUN
easat-9223	263	15	influence	influence	VERB
easat-9223	263	16	the	the	DET
easat-9223	263	17	relationship	relationship	NOUN
easat-9223	263	18	between	between	ADP
easat-9223	263	19	independent	independent	ADJ
easat-9223	263	20	and	and	CCONJ
easat-9223	263	21	dependent	dependent	ADJ
easat-9223	263	22	variables	variable	NOUN
easat-9223	263	23	,	,	PUNCT
easat-9223	263	24	the	the	DET
easat-9223	263	25	interaction	interaction	NOUN
easat-9223	263	26	model	model	NOUN
easat-9223	263	27	is	be	AUX
easat-9223	263	28	applied	apply	VERB
easat-9223	263	29	in	in	ADP
easat-9223	263	30	the	the	DET
easat-9223	263	31	research	research	NOUN
easat-9223	263	32	.	.	PUNCT
easat-9223	264	1	105	105	NUM
easat-9223	264	2	edelweiss	edelweiss	PROPN
easat-9223	264	3	applied	apply	VERB
easat-9223	264	4	science	science	NOUN
easat-9223	264	5	and	and	CCONJ
easat-9223	264	6	technology	technology	NOUN
easat-9223	264	7	issn	issn	PROPN
easat-9223	264	8	:	:	PUNCT
easat-9223	264	9	2576	2576	NUM
easat-9223	264	10	-	-	SYM
easat-9223	264	11	8484	8484	NUM
easat-9223	264	12	vol	vol	NOUN
easat-9223	264	13	.	.	PROPN
easat-9223	265	1	9	9	NUM
easat-9223	265	2	,	,	PUNCT
easat-9223	265	3	no	no	INTJ
easat-9223	265	4	.	.	NOUN
easat-9223	265	5	8	8	NUM
easat-9223	265	6	:	:	SYM
easat-9223	265	7	95	95	NUM
easat-9223	265	8	-	-	SYM
easat-9223	265	9	112	112	NUM
easat-9223	265	10	,	,	PUNCT
easat-9223	265	11	2025	2025	NUM
easat-9223	265	12	doi	doi	NOUN
easat-9223	265	13	:	:	PUNCT
easat-9223	265	14	10.55214/2576	10.55214/2576	NUM
easat-9223	265	15	-	-	PUNCT
easat-9223	265	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	265	17	©	©	PROPN
easat-9223	265	18	2025	2025	NUM
easat-9223	265	19	by	by	ADP
easat-9223	265	20	the	the	DET
easat-9223	265	21	authors	author	NOUN
easat-9223	265	22	;	;	PUNCT
easat-9223	265	23	licensee	licensee	PROPN
easat-9223	265	24	learning	learn	VERB
easat-9223	265	25	gate	gate	NOUN
easat-9223	265	26	table	table	NOUN
easat-9223	265	27	8	8	NUM
easat-9223	265	28	.	.	PUNCT
easat-9223	266	1	multiple	multiple	ADJ
easat-9223	266	2	linear	linear	PROPN
easat-9223	266	3	regression	regression	NOUN
easat-9223	266	4	test	test	NOUN
easat-9223	266	5	after	after	ADP
easat-9223	266	6	moderation	moderation	NOUN
easat-9223	266	7	.	.	PUNCT
easat-9223	267	1	coefficients	coefficient	NOUN
easat-9223	267	2	model	model	VERB
easat-9223	267	3	unstandardized	unstandardized	ADJ
easat-9223	267	4	coefficients	coefficient	NOUN
easat-9223	267	5	t	t	PROPN
easat-9223	267	6	sig	sig	NOUN
easat-9223	267	7	.	.	PUNCT
easat-9223	268	1	b	b	X
easat-9223	268	2	std	std	PROPN
easat-9223	268	3	.	.	NOUN
easat-9223	268	4	error	error	NOUN
easat-9223	268	5	(	(	PUNCT
easat-9223	268	6	constant	constant	ADJ
easat-9223	268	7	)	)	PUNCT
easat-9223	268	8	-70.016	-70.016	PROPN
easat-9223	269	1	11.758	11.758	NUM
easat-9223	269	2	-5.955	-5.955	NUM
easat-9223	269	3	0.000	0.000	NUM
easat-9223	269	4	financial	financial	ADJ
easat-9223	269	5	literacy	literacy	NOUN
easat-9223	269	6	-0.156	-0.156	NUM
easat-9223	269	7	0.447	0.447	NUM
easat-9223	269	8	-.349	-.349	PROPN
easat-9223	269	9	0.727	0.727	NUM
easat-9223	269	10	financial	financial	ADJ
easat-9223	269	11	attitude	attitude	NOUN
easat-9223	269	12	1.084	1.084	NUM
easat-9223	269	13	0.469	0.469	NUM
easat-9223	269	14	2.313	2.313	NUM
easat-9223	269	15	0.021	0.021	NUM
easat-9223	269	16	lifestyle	lifestyle	NOUN
easat-9223	269	17	1.987	1.987	NUM
easat-9223	269	18	0.534	0.534	NUM
easat-9223	269	19	3.721	3.721	NUM
easat-9223	269	20	0.000	0.000	NUM
easat-9223	269	21	locus	locus	NOUN
easat-9223	269	22	of	of	ADP
easat-9223	269	23	control	control	NOUN
easat-9223	269	24	3.474	3.474	NUM
easat-9223	269	25	0.521	0.521	NUM
easat-9223	269	26	6.662	6.662	NUM
easat-9223	269	27	0.000	0.000	NUM
easat-9223	269	28	x1	x1	NUM
easat-9223	269	29	m	m	PROPN
easat-9223	269	30	0.013	0.013	NUM
easat-9223	269	31	0.017	0.017	NUM
easat-9223	269	32	0.776	0.776	NUM
easat-9223	269	33	0.438	0.438	NUM
easat-9223	269	34	x2	x2	PROPN
easat-9223	269	35	m	m	PROPN
easat-9223	269	36	-0.037	-0.037	NUM
easat-9223	269	37	0.018	0.018	NUM
easat-9223	269	38	-2.071	-2.071	NOUN
easat-9223	269	39	0.039	0.039	NUM
easat-9223	269	40	x3	x3	PROPN
easat-9223	269	41	m	m	PROPN
easat-9223	269	42	-0.071	-0.071	NOUN
easat-9223	269	43	0.020	0.020	NUM
easat-9223	269	44	-3.496	-3.496	SYM
easat-9223	269	45	0.001	0.001	NUM
easat-9223	269	46	the	the	DET
easat-9223	269	47	regression	regression	NOUN
easat-9223	269	48	equation	equation	NOUN
easat-9223	269	49	after	after	ADP
easat-9223	269	50	including	include	VERB
easat-9223	269	51	the	the	DET
easat-9223	269	52	moderating	moderate	VERB
easat-9223	269	53	variable	variable	NOUN
easat-9223	269	54	(	(	PUNCT
easat-9223	269	55	locus	locus	NOUN
easat-9223	269	56	of	of	ADP
easat-9223	269	57	control	control	NOUN
easat-9223	269	58	)	)	PUNCT
easat-9223	269	59	is	be	AUX
easat-9223	269	60	as	as	SCONJ
easat-9223	269	61	follows	follow	VERB
easat-9223	269	62	:	:	PUNCT
easat-9223	270	1	y	y	PROPN
easat-9223	270	2	=	=	PUNCT
easat-9223	270	3	a	a	PRON
easat-9223	270	4	+	+	X
easat-9223	270	5	b₁x₁	b₁x₁	ADJ
easat-9223	270	6	+	+	CCONJ
easat-9223	270	7	b₂x₂	b₂x₂	X
easat-9223	270	8	+	+	CCONJ
easat-9223	270	9	b₃x₃	b₃x₃	PUNCT
easat-9223	270	10	+	+	X
easat-9223	270	11	b₄m	b₄m	NOUN
easat-9223	270	12	+	+	X
easat-9223	270	13	b₅x₁m	b₅x₁m	X
easat-9223	271	1	+	+	CCONJ
easat-9223	271	2	b₆x₂m	b₆x₂m	NUM
easat-9223	271	3	+	+	CCONJ
easat-9223	271	4	b₇x₃m	b₇x₃m	PUNCT
easat-9223	272	1	+	+	CCONJ
easat-9223	272	2	e	e	X
easat-9223	272	3	y	y	PROPN
easat-9223	272	4	=	=	SYM
easat-9223	272	5	–	–	PUNCT
easat-9223	272	6	70.016	70.016	NUM
easat-9223	272	7	–	–	PUNCT
easat-9223	272	8	0.156x₁	0.156x₁	PUNCT
easat-9223	273	1	+	+	NUM
easat-9223	273	2	1.084x₂	1.084x₂	NUM
easat-9223	273	3	+	+	SYM
easat-9223	273	4	1.987x₃	1.987x₃	NUM
easat-9223	273	5	+	+	CCONJ
easat-9223	273	6	3.474	3.474	NUM
easat-9223	273	7	m	m	NOUN
easat-9223	273	8	+	+	X
easat-9223	273	9	0.013x₁m	0.013x₁m	NUM
easat-9223	273	10	–	–	PUNCT
easat-9223	273	11	0.037x₂m	0.037x₂m	NUM
easat-9223	273	12	–	–	PUNCT
easat-9223	273	13	0.071x₃m	0.071x₃m	NOUN
easat-9223	273	14	+	+	CCONJ
easat-9223	273	15	e	e	NOUN
easat-9223	273	16	according	accord	VERB
easat-9223	273	17	to	to	ADP
easat-9223	273	18	the	the	DET
easat-9223	273	19	regression	regression	NOUN
easat-9223	273	20	equation	equation	NOUN
easat-9223	273	21	following	follow	VERB
easat-9223	273	22	moderation	moderation	NOUN
easat-9223	273	23	,	,	PUNCT
easat-9223	273	24	it	it	PRON
easat-9223	273	25	can	can	AUX
easat-9223	273	26	be	be	AUX
easat-9223	273	27	deduced	deduce	VERB
easat-9223	273	28	that	that	SCONJ
easat-9223	273	29	the	the	DET
easat-9223	273	30	variables	variable	NOUN
easat-9223	273	31	(	(	PUNCT
easat-9223	273	32	x₂	x₂	ADJ
easat-9223	273	33	)	)	PUNCT
easat-9223	273	34	,	,	PUNCT
easat-9223	273	35	(	(	PUNCT
easat-9223	273	36	x₃	x₃	PROPN
easat-9223	273	37	)	)	PUNCT
easat-9223	273	38	,	,	PUNCT
easat-9223	273	39	and	and	CCONJ
easat-9223	273	40	(	(	PUNCT
easat-9223	273	41	m	m	NOUN
easat-9223	273	42	)	)	PUNCT
easat-9223	273	43	contribute	contribute	VERB
easat-9223	273	44	positively	positively	ADV
easat-9223	273	45	to	to	ADP
easat-9223	273	46	managing	manage	VERB
easat-9223	273	47	financial	financial	ADJ
easat-9223	273	48	decisions	decision	NOUN
easat-9223	273	49	.	.	PUNCT
easat-9223	274	1	in	in	ADP
easat-9223	274	2	contrast	contrast	NOUN
easat-9223	274	3	,	,	PUNCT
easat-9223	274	4	(	(	PUNCT
easat-9223	274	5	x₁	x₁	PROPN
easat-9223	274	6	)	)	PUNCT
easat-9223	274	7	along	along	ADP
easat-9223	274	8	with	with	ADP
easat-9223	274	9	the	the	DET
easat-9223	274	10	interactions	interaction	NOUN
easat-9223	274	11	between	between	ADP
easat-9223	274	12	the	the	DET
easat-9223	274	13	independent	independent	ADJ
easat-9223	274	14	variables	variable	NOUN
easat-9223	274	15	and	and	CCONJ
easat-9223	274	16	the	the	DET
easat-9223	274	17	moderator	moderator	NOUN
easat-9223	274	18	(	(	PUNCT
easat-9223	274	19	x₁m	x₁m	PROPN
easat-9223	274	20	,	,	PUNCT
easat-9223	274	21	x₂m	x₂m	PROPN
easat-9223	274	22	,	,	PUNCT
easat-9223	274	23	and	and	CCONJ
easat-9223	274	24	x₃m	x₃m	NUM
easat-9223	274	25	)	)	PUNCT
easat-9223	274	26	exhibit	exhibit	VERB
easat-9223	274	27	diverse	diverse	ADJ
easat-9223	274	28	effects	effect	NOUN
easat-9223	274	29	.	.	PUNCT
easat-9223	275	1	the	the	DET
easat-9223	275	2	constant	constant	ADJ
easat-9223	275	3	value	value	NOUN
easat-9223	275	4	of	of	ADP
easat-9223	275	5	–	–	PUNCT
easat-9223	275	6	70.016	70.016	NUM
easat-9223	275	7	represents	represent	VERB
easat-9223	275	8	the	the	DET
easat-9223	275	9	outcome	outcome	NOUN
easat-9223	275	10	of	of	ADP
easat-9223	275	11	y	y	PROPN
easat-9223	275	12	in	in	ADP
easat-9223	275	13	the	the	DET
easat-9223	275	14	absence	absence	NOUN
easat-9223	275	15	of	of	ADP
easat-9223	275	16	any	any	DET
easat-9223	275	17	contribution	contribution	NOUN
easat-9223	275	18	from	from	ADP
easat-9223	275	19	the	the	DET
easat-9223	275	20	independent	independent	ADJ
easat-9223	275	21	and	and	CCONJ
easat-9223	275	22	moderating	moderating	NOUN
easat-9223	275	23	variables	variable	NOUN
easat-9223	275	24	.	.	PUNCT
easat-9223	276	1	the	the	DET
easat-9223	276	2	coefficients	coefficient	NOUN
easat-9223	276	3	for	for	ADP
easat-9223	276	4	x₂	x₂	ADJ
easat-9223	276	5	(	(	PUNCT
easat-9223	276	6	1.084	1.084	NUM
easat-9223	276	7	)	)	PUNCT
easat-9223	276	8	and	and	CCONJ
easat-9223	276	9	x₃	x₃	PROPN
easat-9223	276	10	(	(	PUNCT
easat-9223	276	11	1.987	1.987	NUM
easat-9223	276	12	)	)	PUNCT
easat-9223	276	13	indicate	indicate	VERB
easat-9223	276	14	that	that	SCONJ
easat-9223	276	15	each	each	DET
easat-9223	276	16	one	one	NUM
easat-9223	276	17	-	-	PUNCT
easat-9223	276	18	unit	unit	NOUN
easat-9223	276	19	increase	increase	NOUN
easat-9223	276	20	in	in	ADP
easat-9223	276	21	these	these	DET
easat-9223	276	22	variables	variable	NOUN
easat-9223	276	23	significantly	significantly	ADV
easat-9223	276	24	increases	increase	VERB
easat-9223	276	25	y	y	PROPN
easat-9223	276	26	,	,	PUNCT
easat-9223	276	27	assuming	assume	VERB
easat-9223	276	28	other	other	ADJ
easat-9223	276	29	variables	variable	NOUN
easat-9223	276	30	remain	remain	VERB
easat-9223	276	31	constant	constant	ADJ
easat-9223	276	32	.	.	PUNCT
easat-9223	277	1	meanwhile	meanwhile	ADV
easat-9223	277	2	,	,	PUNCT
easat-9223	277	3	the	the	DET
easat-9223	277	4	interaction	interaction	NOUN
easat-9223	277	5	between	between	ADP
easat-9223	277	6	locus	locus	NOUN
easat-9223	277	7	of	of	ADP
easat-9223	277	8	control	control	NOUN
easat-9223	277	9	and	and	CCONJ
easat-9223	277	10	lifestyle	lifestyle	NOUN
easat-9223	277	11	(	(	PUNCT
easat-9223	277	12	x₃m	x₃m	PROPN
easat-9223	277	13	)	)	PUNCT
easat-9223	277	14	shows	show	VERB
easat-9223	277	15	the	the	DET
easat-9223	277	16	largest	large	ADJ
easat-9223	277	17	negative	negative	ADJ
easat-9223	277	18	effect	effect	NOUN
easat-9223	277	19	at	at	ADP
easat-9223	277	20	–	–	PUNCT
easat-9223	277	21	0.071	0.071	NUM
easat-9223	277	22	,	,	PUNCT
easat-9223	277	23	indicating	indicate	VERB
easat-9223	277	24	that	that	SCONJ
easat-9223	277	25	the	the	DET
easat-9223	277	26	moderating	moderate	VERB
easat-9223	277	27	role	role	NOUN
easat-9223	277	28	can	can	AUX
easat-9223	277	29	weaken	weaken	VERB
easat-9223	277	30	how	how	SCONJ
easat-9223	277	31	lifestyle	lifestyle	NOUN
easat-9223	277	32	contributes	contribute	VERB
easat-9223	277	33	to	to	ADP
easat-9223	277	34	financial	financial	ADJ
easat-9223	277	35	management	management	NOUN
easat-9223	277	36	behavior	behavior	NOUN
easat-9223	277	37	.	.	PUNCT
easat-9223	278	1	the	the	DET
easat-9223	278	2	t	t	PROPN
easat-9223	278	3	-	-	PUNCT
easat-9223	278	4	table	table	NOUN
easat-9223	278	5	value	value	NOUN
easat-9223	278	6	calculated	calculate	VERB
easat-9223	278	7	is	be	AUX
easat-9223	278	8	1.966	1.966	NUM
easat-9223	278	9	,	,	PUNCT
easat-9223	278	10	derived	derive	VERB
easat-9223	278	11	from	from	ADP
easat-9223	278	12	a	a	DET
easat-9223	278	13	degree	degree	NOUN
easat-9223	278	14	of	of	ADP
easat-9223	278	15	freedom	freedom	NOUN
easat-9223	278	16	(	(	PUNCT
easat-9223	278	17	df	df	NOUN
easat-9223	278	18	)	)	PUNCT
easat-9223	278	19	of	of	ADP
easat-9223	278	20	396	396	NUM
easat-9223	278	21	(	(	PUNCT
easat-9223	278	22	n	n	NOUN
easat-9223	278	23	−	−	PROPN
easat-9223	279	1	k	k	NOUN
easat-9223	280	1	−	−	PROPN
easat-9223	280	2	1	1	NUM
easat-9223	280	3	=	=	SYM
easat-9223	280	4	400	400	NUM
easat-9223	280	5	−	−	NOUN
easat-9223	280	6	3	3	NUM
easat-9223	280	7	−	−	NOUN
easat-9223	280	8	1	1	NUM
easat-9223	280	9	)	)	PUNCT
easat-9223	280	10	and	and	CCONJ
easat-9223	280	11	a	a	DET
easat-9223	280	12	significance	significance	NOUN
easat-9223	280	13	level	level	NOUN
easat-9223	280	14	of	of	ADP
easat-9223	280	15	α/2	α/2	NUM
easat-9223	280	16	=	=	PUNCT
easat-9223	280	17	0.025	0.025	NUM
easat-9223	280	18	.	.	PUNCT
easat-9223	281	1	a	a	DET
easat-9223	281	2	variable	variable	NOUN
easat-9223	281	3	is	be	AUX
easat-9223	281	4	considered	consider	VERB
easat-9223	281	5	to	to	PART
easat-9223	281	6	have	have	VERB
easat-9223	281	7	a	a	DET
easat-9223	281	8	significant	significant	ADJ
easat-9223	281	9	impact	impact	NOUN
easat-9223	281	10	according	accord	VERB
easat-9223	281	11	to	to	ADP
easat-9223	281	12	the	the	DET
easat-9223	281	13	testing	testing	NOUN
easat-9223	281	14	criteria	criterion	NOUN
easat-9223	281	15	if	if	SCONJ
easat-9223	281	16	the	the	DET
easat-9223	281	17	significance	significance	NOUN
easat-9223	281	18	level	level	NOUN
easat-9223	281	19	is	be	AUX
easat-9223	281	20	less	less	ADJ
easat-9223	281	21	than	than	ADP
easat-9223	281	22	0.05	0.05	NUM
easat-9223	281	23	and	and	CCONJ
easat-9223	281	24	the	the	DET
easat-9223	281	25	calculated	calculated	ADJ
easat-9223	281	26	t	t	NOUN
easat-9223	281	27	-	-	PUNCT
easat-9223	281	28	value	value	NOUN
easat-9223	281	29	exceeds	exceed	VERB
easat-9223	281	30	the	the	DET
easat-9223	281	31	table	table	NOUN
easat-9223	281	32	t	t	NOUN
easat-9223	281	33	-	-	PUNCT
easat-9223	281	34	value	value	NOUN
easat-9223	281	35	.	.	PUNCT
easat-9223	282	1	the	the	DET
easat-9223	282	2	following	follow	VERB
easat-9223	282	3	section	section	NOUN
easat-9223	282	4	details	detail	VERB
easat-9223	282	5	the	the	DET
easat-9223	282	6	results	result	NOUN
easat-9223	282	7	of	of	ADP
easat-9223	282	8	the	the	DET
easat-9223	282	9	partial	partial	ADJ
easat-9223	282	10	t	t	NOUN
easat-9223	282	11	-	-	PUNCT
easat-9223	282	12	test	test	NOUN
easat-9223	282	13	run	run	NOUN
easat-9223	282	14	on	on	ADP
easat-9223	282	15	the	the	DET
easat-9223	282	16	moderation	moderation	NOUN
easat-9223	282	17	regression	regression	NOUN
easat-9223	282	18	model	model	NOUN
easat-9223	282	19	:	:	PUNCT
easat-9223	282	20	a.	a.	NOUN
easat-9223	282	21	the	the	DET
easat-9223	282	22	computed	compute	VERB
easat-9223	282	23	t	t	NOUN
easat-9223	282	24	-	-	PUNCT
easat-9223	282	25	value	value	NOUN
easat-9223	282	26	for	for	ADP
easat-9223	282	27	financial	financial	ADJ
easat-9223	282	28	literacy	literacy	NOUN
easat-9223	282	29	,	,	PUNCT
easat-9223	282	30	moderated	moderate	VERB
easat-9223	282	31	by	by	ADP
easat-9223	282	32	locus	locus	NOUN
easat-9223	282	33	of	of	ADP
easat-9223	282	34	control	control	NOUN
easat-9223	282	35	(	(	PUNCT
easat-9223	282	36	x₁m	x₁m	PROPN
easat-9223	282	37	)	)	PUNCT
easat-9223	282	38	,	,	PUNCT
easat-9223	282	39	is	be	AUX
easat-9223	282	40	0.776	0.776	NUM
easat-9223	282	41	,	,	PUNCT
easat-9223	282	42	with	with	ADP
easat-9223	282	43	a	a	DET
easat-9223	282	44	significance	significance	NOUN
easat-9223	282	45	level	level	NOUN
easat-9223	282	46	of	of	ADP
easat-9223	282	47	0.438	0.438	NUM
easat-9223	282	48	.	.	PUNCT
easat-9223	283	1	it	it	PRON
easat-9223	283	2	can	can	AUX
easat-9223	283	3	be	be	AUX
easat-9223	283	4	inferred	infer	VERB
easat-9223	283	5	that	that	SCONJ
easat-9223	283	6	locus	locus	NOUN
easat-9223	283	7	of	of	ADP
easat-9223	283	8	control	control	NOUN
easat-9223	283	9	does	do	AUX
easat-9223	283	10	not	not	PART
easat-9223	283	11	serve	serve	VERB
easat-9223	283	12	as	as	ADP
easat-9223	283	13	a	a	DET
easat-9223	283	14	moderator	moderator	NOUN
easat-9223	283	15	in	in	ADP
easat-9223	283	16	the	the	DET
easat-9223	283	17	relationship	relationship	NOUN
easat-9223	283	18	between	between	ADP
easat-9223	283	19	financial	financial	ADJ
easat-9223	283	20	literacy	literacy	NOUN
easat-9223	283	21	and	and	CCONJ
easat-9223	283	22	financial	financial	ADJ
easat-9223	283	23	management	management	NOUN
easat-9223	283	24	behavior	behavior	NOUN
easat-9223	283	25	,	,	PUNCT
easat-9223	283	26	as	as	SCONJ
easat-9223	283	27	the	the	DET
easat-9223	283	28	t	t	NOUN
easat-9223	283	29	-	-	PUNCT
easat-9223	283	30	value	value	NOUN
easat-9223	283	31	is	be	AUX
easat-9223	283	32	lower	low	ADJ
easat-9223	283	33	than	than	ADP
easat-9223	283	34	the	the	DET
easat-9223	283	35	critical	critical	ADJ
easat-9223	283	36	t	t	NOUN
easat-9223	283	37	-	-	PUNCT
easat-9223	283	38	table	table	NOUN
easat-9223	283	39	value	value	NOUN
easat-9223	283	40	(	(	PUNCT
easat-9223	283	41	0.776	0.776	NUM
easat-9223	283	42	<	<	X
easat-9223	283	43	1.966	1.966	NUM
easat-9223	283	44	)	)	PUNCT
easat-9223	283	45	and	and	CCONJ
easat-9223	283	46	the	the	DET
easat-9223	283	47	significance	significance	NOUN
easat-9223	283	48	exceeds	exceed	VERB
easat-9223	283	49	0.05	0.05	NUM
easat-9223	283	50	.	.	PUNCT
easat-9223	284	1	b.	b.	PROPN
easat-9223	284	2	a	a	DET
easat-9223	284	3	t	t	NOUN
easat-9223	284	4	-	-	PUNCT
easat-9223	284	5	value	value	NOUN
easat-9223	284	6	of	of	ADP
easat-9223	284	7	-2.071	-2.071	NOUN
easat-9223	284	8	was	be	AUX
easat-9223	284	9	obtained	obtain	VERB
easat-9223	284	10	for	for	ADP
easat-9223	284	11	financial	financial	ADJ
easat-9223	284	12	attitude	attitude	NOUN
easat-9223	284	13	,	,	PUNCT
easat-9223	284	14	with	with	ADP
easat-9223	284	15	a	a	DET
easat-9223	284	16	significance	significance	NOUN
easat-9223	284	17	level	level	NOUN
easat-9223	284	18	of	of	ADP
easat-9223	284	19	0.039	0.039	NUM
easat-9223	284	20	,	,	PUNCT
easat-9223	284	21	when	when	SCONJ
easat-9223	284	22	controlling	control	VERB
easat-9223	284	23	for	for	ADP
easat-9223	284	24	locus	locus	NOUN
easat-9223	284	25	of	of	ADP
easat-9223	284	26	control	control	NOUN
easat-9223	284	27	(	(	PUNCT
easat-9223	284	28	x₂m	x₂m	PROPN
easat-9223	284	29	)	)	PUNCT
easat-9223	284	30	.	.	PUNCT
easat-9223	285	1	it	it	PRON
easat-9223	285	2	can	can	AUX
easat-9223	285	3	be	be	AUX
easat-9223	285	4	concluded	conclude	VERB
easat-9223	285	5	that	that	SCONJ
easat-9223	285	6	financial	financial	ADJ
easat-9223	285	7	management	management	NOUN
easat-9223	285	8	behavior	behavior	NOUN
easat-9223	285	9	is	be	AUX
easat-9223	285	10	significantly	significantly	ADV
easat-9223	285	11	impacted	impact	VERB
easat-9223	285	12	negatively	negatively	ADV
easat-9223	285	13	by	by	ADP
easat-9223	285	14	the	the	DET
easat-9223	285	15	interaction	interaction	NOUN
easat-9223	285	16	between	between	ADP
easat-9223	285	17	financial	financial	ADJ
easat-9223	285	18	attitude	attitude	NOUN
easat-9223	285	19	and	and	CCONJ
easat-9223	285	20	locus	locus	NOUN
easat-9223	285	21	of	of	ADP
easat-9223	285	22	control	control	NOUN
easat-9223	285	23	,	,	PUNCT
easat-9223	285	24	as	as	SCONJ
easat-9223	285	25	indicated	indicate	VERB
easat-9223	285	26	by	by	ADP
easat-9223	285	27	a	a	DET
easat-9223	285	28	t	t	NOUN
easat-9223	285	29	-	-	PUNCT
easat-9223	285	30	value	value	NOUN
easat-9223	285	31	below	below	ADP
easat-9223	285	32	the	the	DET
easat-9223	285	33	critical	critical	ADJ
easat-9223	285	34	t	t	NOUN
easat-9223	285	35	-	-	PUNCT
easat-9223	285	36	value	value	NOUN
easat-9223	285	37	(	(	PUNCT
easat-9223	285	38	-2.071	-2.071	X
easat-9223	285	39	<	<	X
easat-9223	285	40	-1.966	-1.966	NUM
easat-9223	285	41	)	)	PUNCT
easat-9223	285	42	and	and	CCONJ
easat-9223	285	43	a	a	DET
easat-9223	285	44	significance	significance	NOUN
easat-9223	285	45	level	level	NOUN
easat-9223	285	46	below	below	ADP
easat-9223	285	47	0.05	0.05	NUM
easat-9223	285	48	.	.	PUNCT
easat-9223	286	1	c.	c.	PROPN
easat-9223	287	1	the	the	DET
easat-9223	287	2	calculated	calculate	VERB
easat-9223	287	3	t	t	NOUN
easat-9223	287	4	-	-	PUNCT
easat-9223	287	5	value	value	NOUN
easat-9223	287	6	for	for	ADP
easat-9223	287	7	lifestyle	lifestyle	NOUN
easat-9223	287	8	,	,	PUNCT
easat-9223	287	9	influenced	influence	VERB
easat-9223	287	10	by	by	ADP
easat-9223	287	11	locus	locus	NOUN
easat-9223	287	12	of	of	ADP
easat-9223	287	13	control	control	NOUN
easat-9223	287	14	(	(	PUNCT
easat-9223	287	15	x₃m	x₃m	PROPN
easat-9223	287	16	)	)	PUNCT
easat-9223	287	17	,	,	PUNCT
easat-9223	287	18	is	be	AUX
easat-9223	287	19	-3.496	-3.496	ADJ
easat-9223	287	20	,	,	PUNCT
easat-9223	287	21	with	with	ADP
easat-9223	287	22	a	a	DET
easat-9223	287	23	significance	significance	NOUN
easat-9223	287	24	level	level	NOUN
easat-9223	287	25	of	of	ADP
easat-9223	287	26	0.001	0.001	NUM
easat-9223	287	27	.	.	PUNCT
easat-9223	288	1	the	the	DET
easat-9223	288	2	interaction	interaction	NOUN
easat-9223	288	3	between	between	ADP
easat-9223	288	4	lifestyle	lifestyle	NOUN
easat-9223	288	5	and	and	CCONJ
easat-9223	288	6	locus	locus	NOUN
easat-9223	288	7	of	of	ADP
easat-9223	288	8	control	control	NOUN
easat-9223	288	9	demonstrates	demonstrate	VERB
easat-9223	288	10	a	a	DET
easat-9223	288	11	significant	significant	ADJ
easat-9223	288	12	and	and	CCONJ
easat-9223	288	13	negative	negative	ADJ
easat-9223	288	14	impact	impact	NOUN
easat-9223	288	15	on	on	ADP
easat-9223	288	16	financial	financial	ADJ
easat-9223	288	17	management	management	NOUN
easat-9223	288	18	behavior	behavior	NOUN
easat-9223	288	19	,	,	PUNCT
easat-9223	288	20	as	as	SCONJ
easat-9223	288	21	indicated	indicate	VERB
easat-9223	288	22	by	by	ADP
easat-9223	288	23	the	the	DET
easat-9223	288	24	t	t	PROPN
easat-9223	288	25	-	-	PUNCT
easat-9223	288	26	value	value	NOUN
easat-9223	288	27	being	be	AUX
easat-9223	288	28	lower	low	ADJ
easat-9223	288	29	than	than	ADP
easat-9223	288	30	the	the	DET
easat-9223	288	31	negative	negative	ADJ
easat-9223	288	32	critical	critical	ADJ
easat-9223	288	33	t	t	NOUN
easat-9223	288	34	-	-	PUNCT
easat-9223	288	35	table	table	NOUN
easat-9223	288	36	value	value	NOUN
easat-9223	288	37	(	(	PUNCT
easat-9223	288	38	-3.496	-3.496	PUNCT
easat-9223	288	39	<	<	X
easat-9223	288	40	-1.966	-1.966	NUM
easat-9223	288	41	)	)	PUNCT
easat-9223	288	42	and	and	CCONJ
easat-9223	288	43	the	the	DET
easat-9223	288	44	significance	significance	NOUN
easat-9223	288	45	level	level	NOUN
easat-9223	288	46	falling	fall	VERB
easat-9223	288	47	below	below	ADP
easat-9223	288	48	0.05	0.05	NUM
easat-9223	288	49	.	.	PUNCT
easat-9223	288	50	4.8	4.8	NUM
easat-9223	288	51	.	.	PUNCT
easat-9223	289	1	simultaneous	simultaneous	ADJ
easat-9223	289	2	f	f	PROPN
easat-9223	289	3	test	test	NOUN
easat-9223	289	4	before	before	ADP
easat-9223	289	5	moderation	moderation	NOUN
easat-9223	289	6	the	the	DET
easat-9223	289	7	purpose	purpose	NOUN
easat-9223	289	8	of	of	ADP
easat-9223	289	9	the	the	DET
easat-9223	289	10	simultaneous	simultaneous	ADJ
easat-9223	289	11	f	f	PROPN
easat-9223	289	12	test	test	NOUN
easat-9223	289	13	in	in	ADP
easat-9223	289	14	multiple	multiple	ADJ
easat-9223	289	15	linear	linear	ADJ
easat-9223	289	16	regression	regression	NOUN
easat-9223	289	17	is	be	AUX
easat-9223	289	18	to	to	PART
easat-9223	289	19	determine	determine	VERB
easat-9223	289	20	if	if	SCONJ
easat-9223	289	21	all	all	DET
easat-9223	289	22	independent	independent	ADJ
easat-9223	289	23	variables	variable	NOUN
easat-9223	289	24	simultaneously	simultaneously	ADV
easat-9223	289	25	impact	impact	VERB
easat-9223	289	26	the	the	DET
easat-9223	289	27	dependent	dependent	ADJ
easat-9223	289	28	variable	variable	NOUN
easat-9223	289	29	in	in	ADP
easat-9223	289	30	a	a	DET
easat-9223	289	31	significant	significant	ADJ
easat-9223	289	32	way	way	NOUN
easat-9223	289	33	.	.	PUNCT
easat-9223	290	1	the	the	DET
easat-9223	290	2	null	null	ADJ
easat-9223	290	3	106	106	NUM
easat-9223	290	4	edelweiss	edelweiss	PROPN
easat-9223	290	5	applied	apply	VERB
easat-9223	290	6	science	science	NOUN
easat-9223	290	7	and	and	CCONJ
easat-9223	290	8	technology	technology	NOUN
easat-9223	290	9	issn	issn	PROPN
easat-9223	290	10	:	:	PUNCT
easat-9223	290	11	2576	2576	NUM
easat-9223	290	12	-	-	SYM
easat-9223	290	13	8484	8484	NUM
easat-9223	290	14	vol	vol	NOUN
easat-9223	290	15	.	.	PROPN
easat-9223	291	1	9	9	NUM
easat-9223	291	2	,	,	PUNCT
easat-9223	291	3	no	no	INTJ
easat-9223	291	4	.	.	NOUN
easat-9223	291	5	8	8	NUM
easat-9223	291	6	:	:	SYM
easat-9223	291	7	95	95	NUM
easat-9223	291	8	-	-	SYM
easat-9223	291	9	112	112	NUM
easat-9223	291	10	,	,	PUNCT
easat-9223	291	11	2025	2025	NUM
easat-9223	291	12	doi	doi	NOUN
easat-9223	291	13	:	:	PUNCT
easat-9223	291	14	10.55214/2576	10.55214/2576	NUM
easat-9223	291	15	-	-	PUNCT
easat-9223	291	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	291	17	©	©	PROPN
easat-9223	291	18	2025	2025	NUM
easat-9223	291	19	by	by	ADP
easat-9223	291	20	the	the	DET
easat-9223	291	21	authors	author	NOUN
easat-9223	291	22	;	;	PUNCT
easat-9223	291	23	licensee	licensee	PROPN
easat-9223	291	24	learning	learn	VERB
easat-9223	291	25	gate	gate	NOUN
easat-9223	291	26	hypothesis	hypothesis	NOUN
easat-9223	291	27	that	that	PRON
easat-9223	291	28	all	all	DET
easat-9223	291	29	independent	independent	ADJ
easat-9223	291	30	variable	variable	ADJ
easat-9223	291	31	regression	regression	NOUN
easat-9223	291	32	coefficients	coefficient	NOUN
easat-9223	291	33	are	be	AUX
easat-9223	291	34	zero	zero	NUM
easat-9223	291	35	at	at	ADP
easat-9223	291	36	the	the	DET
easat-9223	291	37	same	same	ADJ
easat-9223	291	38	time	time	NOUN
easat-9223	291	39	is	be	AUX
easat-9223	291	40	tested	test	VERB
easat-9223	291	41	by	by	ADP
easat-9223	291	42	this	this	DET
easat-9223	291	43	test	test	NOUN
easat-9223	291	44	.	.	PUNCT
easat-9223	292	1	table	table	NOUN
easat-9223	292	2	9	9	NUM
easat-9223	292	3	.	.	PUNCT
easat-9223	293	1	simultaneous	simultaneous	ADJ
easat-9223	293	2	f	f	PROPN
easat-9223	293	3	test	test	NOUN
easat-9223	293	4	before	before	ADP
easat-9223	293	5	moderation	moderation	NOUN
easat-9223	293	6	.	.	PUNCT
easat-9223	294	1	anova	anova	PROPN
easat-9223	294	2	model	model	PROPN
easat-9223	294	3	f	f	PROPN
easat-9223	294	4	sig	sig	PROPN
easat-9223	294	5	.	.	PUNCT
easat-9223	295	1	regression	regression	VERB
easat-9223	295	2	264.010	264.010	NUM
easat-9223	295	3	0.000	0.000	NUM
easat-9223	295	4	the	the	DET
easat-9223	295	5	computed	computed	ADJ
easat-9223	295	6	f	f	NOUN
easat-9223	295	7	-	-	PUNCT
easat-9223	295	8	value	value	NOUN
easat-9223	295	9	,	,	PUNCT
easat-9223	295	10	derived	derive	VERB
easat-9223	295	11	from	from	ADP
easat-9223	295	12	the	the	DET
easat-9223	295	13	spss	spss	PROPN
easat-9223	295	14	output	output	NOUN
easat-9223	295	15	,	,	PUNCT
easat-9223	295	16	is	be	AUX
easat-9223	295	17	264.010	264.010	NUM
easat-9223	295	18	.	.	PUNCT
easat-9223	296	1	the	the	DET
easat-9223	296	2	corresponding	corresponding	ADJ
easat-9223	296	3	f	f	X
easat-9223	296	4	-	-	PUNCT
easat-9223	296	5	table	table	NOUN
easat-9223	296	6	value	value	NOUN
easat-9223	296	7	is	be	AUX
easat-9223	296	8	2.63	2.63	NUM
easat-9223	296	9	,	,	PUNCT
easat-9223	296	10	with	with	ADP
easat-9223	296	11	degrees	degree	NOUN
easat-9223	296	12	of	of	ADP
easat-9223	296	13	freedom	freedom	NOUN
easat-9223	296	14	(	(	PUNCT
easat-9223	296	15	df	df	NOUN
easat-9223	296	16	)	)	PUNCT
easat-9223	296	17	determined	determine	VERB
easat-9223	296	18	using	use	VERB
easat-9223	296	19	the	the	DET
easat-9223	296	20	formula	formula	NOUN
easat-9223	296	21	n	n	PRON
easat-9223	296	22	−	−	NOUN
easat-9223	297	1	k	k	NOUN
easat-9223	298	1	−	−	PROPN
easat-9223	298	2	1	1	NUM
easat-9223	298	3	=	=	SYM
easat-9223	298	4	400	400	NUM
easat-9223	298	5	−	−	NOUN
easat-9223	298	6	3	3	NUM
easat-9223	298	7	−	−	PROPN
easat-9223	298	8	1	1	NUM
easat-9223	298	9	=	=	SYM
easat-9223	298	10	396	396	NUM
easat-9223	298	11	,	,	PUNCT
easat-9223	298	12	and	and	CCONJ
easat-9223	298	13	a	a	DET
easat-9223	298	14	significance	significance	NOUN
easat-9223	298	15	threshold	threshold	NOUN
easat-9223	298	16	established	establish	VERB
easat-9223	298	17	at	at	ADP
easat-9223	298	18	5	5	NUM
easat-9223	298	19	%	%	NOUN
easat-9223	298	20	.	.	PUNCT
easat-9223	299	1	given	give	VERB
easat-9223	299	2	that	that	SCONJ
easat-9223	299	3	the	the	DET
easat-9223	299	4	calculated	calculated	ADJ
easat-9223	299	5	f	f	NOUN
easat-9223	299	6	-	-	PUNCT
easat-9223	299	7	value	value	NOUN
easat-9223	299	8	of	of	ADP
easat-9223	299	9	264.010	264.010	NUM
easat-9223	299	10	exceeds	exceed	VERB
easat-9223	299	11	the	the	DET
easat-9223	299	12	critical	critical	ADJ
easat-9223	299	13	f	f	NOUN
easat-9223	299	14	-	-	PUNCT
easat-9223	299	15	value	value	NOUN
easat-9223	299	16	of	of	ADP
easat-9223	299	17	2.63	2.63	NUM
easat-9223	299	18	and	and	CCONJ
easat-9223	299	19	the	the	DET
easat-9223	299	20	p	p	NOUN
easat-9223	299	21	-	-	PUNCT
easat-9223	299	22	value	value	NOUN
easat-9223	299	23	of	of	ADP
easat-9223	299	24	0.000	0.000	NUM
easat-9223	299	25	falls	fall	VERB
easat-9223	299	26	below	below	ADP
easat-9223	299	27	the	the	DET
easat-9223	299	28	0.05	0.05	NUM
easat-9223	299	29	threshold	threshold	NOUN
easat-9223	299	30	,	,	PUNCT
easat-9223	299	31	it	it	PRON
easat-9223	299	32	can	can	AUX
easat-9223	299	33	be	be	AUX
easat-9223	299	34	inferred	infer	VERB
easat-9223	299	35	that	that	SCONJ
easat-9223	299	36	the	the	DET
easat-9223	299	37	independent	independent	ADJ
easat-9223	299	38	variables	variable	NOUN
easat-9223	299	39	collectively	collectively	ADV
easat-9223	299	40	exert	exert	VERB
easat-9223	299	41	a	a	DET
easat-9223	299	42	significant	significant	ADJ
easat-9223	299	43	effect	effect	NOUN
easat-9223	299	44	on	on	ADP
easat-9223	299	45	financial	financial	ADJ
easat-9223	299	46	management	management	NOUN
easat-9223	299	47	behavior	behavior	NOUN
easat-9223	299	48	.	.	PUNCT
easat-9223	300	1	4.9	4.9	NUM
easat-9223	300	2	.	.	PUNCT
easat-9223	301	1	simultaneous	simultaneous	ADJ
easat-9223	301	2	f	f	PROPN
easat-9223	301	3	test	test	NOUN
easat-9223	301	4	after	after	ADP
easat-9223	301	5	moderation	moderation	NOUN
easat-9223	301	6	to	to	PART
easat-9223	301	7	determine	determine	VERB
easat-9223	301	8	if	if	SCONJ
easat-9223	301	9	the	the	DET
easat-9223	301	10	independent	independent	ADJ
easat-9223	301	11	variables	variable	NOUN
easat-9223	301	12	and	and	CCONJ
easat-9223	301	13	their	their	PRON
easat-9223	301	14	interactions	interaction	NOUN
easat-9223	301	15	had	have	VERB
easat-9223	301	16	a	a	DET
easat-9223	301	17	significant	significant	ADJ
easat-9223	301	18	impact	impact	NOUN
easat-9223	301	19	on	on	ADP
easat-9223	301	20	the	the	DET
easat-9223	301	21	dependent	dependent	ADJ
easat-9223	301	22	variable	variable	NOUN
easat-9223	301	23	,	,	PUNCT
easat-9223	301	24	a	a	DET
easat-9223	301	25	simultaneous	simultaneous	ADJ
easat-9223	301	26	f	f	PROPN
easat-9223	301	27	test	test	NOUN
easat-9223	301	28	was	be	AUX
easat-9223	301	29	conducted	conduct	VERB
easat-9223	301	30	after	after	SCONJ
easat-9223	301	31	the	the	DET
easat-9223	301	32	moderating	moderating	NOUN
easat-9223	301	33	variables	variable	NOUN
easat-9223	301	34	were	be	AUX
easat-9223	301	35	included	include	VERB
easat-9223	301	36	in	in	ADP
easat-9223	301	37	the	the	DET
easat-9223	301	38	regression	regression	NOUN
easat-9223	301	39	model	model	NOUN
easat-9223	301	40	.	.	PUNCT
easat-9223	302	1	table	table	NOUN
easat-9223	302	2	10	10	NUM
easat-9223	302	3	.	.	PUNCT
easat-9223	303	1	simultaneous	simultaneous	ADJ
easat-9223	303	2	f	f	PROPN
easat-9223	303	3	test	test	NOUN
easat-9223	303	4	after	after	ADP
easat-9223	303	5	moderation	moderation	NOUN
easat-9223	303	6	.	.	PUNCT
easat-9223	304	1	anova	anova	PROPN
easat-9223	304	2	model	model	PROPN
easat-9223	304	3	f	f	PROPN
easat-9223	304	4	sig	sig	PROPN
easat-9223	304	5	.	.	PUNCT
easat-9223	305	1	regression	regression	VERB
easat-9223	305	2	138.150	138.150	NUM
easat-9223	305	3	0.000	0.000	NUM
easat-9223	305	4	the	the	DET
easat-9223	305	5	computed	computed	ADJ
easat-9223	305	6	f	f	NOUN
easat-9223	305	7	-	-	PUNCT
easat-9223	305	8	value	value	NOUN
easat-9223	305	9	,	,	PUNCT
easat-9223	305	10	derived	derive	VERB
easat-9223	305	11	from	from	ADP
easat-9223	305	12	the	the	DET
easat-9223	305	13	spss	spss	PROPN
easat-9223	305	14	output	output	NOUN
easat-9223	305	15	,	,	PUNCT
easat-9223	305	16	is	be	AUX
easat-9223	305	17	138.150	138.150	NUM
easat-9223	305	18	.	.	PUNCT
easat-9223	306	1	using	use	VERB
easat-9223	306	2	a	a	DET
easat-9223	306	3	significance	significance	NOUN
easat-9223	306	4	level	level	NOUN
easat-9223	306	5	of	of	ADP
easat-9223	306	6	α	α	NOUN
easat-9223	306	7	=	=	NOUN
easat-9223	306	8	0.05	0.05	NUM
easat-9223	306	9	,	,	PUNCT
easat-9223	306	10	the	the	DET
easat-9223	306	11	degrees	degree	NOUN
easat-9223	306	12	of	of	ADP
easat-9223	306	13	freedom	freedom	NOUN
easat-9223	306	14	(	(	PUNCT
easat-9223	306	15	df	df	NOUN
easat-9223	306	16	)	)	PUNCT
easat-9223	306	17	are	be	AUX
easat-9223	306	18	calculated	calculate	VERB
easat-9223	306	19	as	as	SCONJ
easat-9223	306	20	follows	follow	VERB
easat-9223	306	21	:	:	PUNCT
easat-9223	307	1	n	n	PRON
easat-9223	307	2	−	−	PROPN
easat-9223	308	1	k	k	NOUN
easat-9223	309	1	−	−	PROPN
easat-9223	309	2	1	1	NUM
easat-9223	309	3	=	=	SYM
easat-9223	309	4	400	400	NUM
easat-9223	309	5	−	−	NOUN
easat-9223	309	6	7	7	NUM
easat-9223	309	7	−	−	PROPN
easat-9223	309	8	1	1	NUM
easat-9223	309	9	=	=	SYM
easat-9223	309	10	392	392	NUM
easat-9223	309	11	,	,	PUNCT
easat-9223	309	12	yielding	yield	VERB
easat-9223	309	13	an	an	DET
easat-9223	309	14	ftable	ftable	ADJ
easat-9223	309	15	value	value	NOUN
easat-9223	309	16	of	of	ADP
easat-9223	309	17	2.03	2.03	NUM
easat-9223	309	18	.	.	PUNCT
easat-9223	310	1	given	give	VERB
easat-9223	310	2	that	that	SCONJ
easat-9223	310	3	the	the	DET
easat-9223	310	4	significance	significance	NOUN
easat-9223	310	5	value	value	NOUN
easat-9223	310	6	of	of	ADP
easat-9223	310	7	0.000	0.000	NUM
easat-9223	310	8	is	be	AUX
easat-9223	310	9	less	less	ADJ
easat-9223	310	10	than	than	ADP
easat-9223	310	11	0.05	0.05	NUM
easat-9223	310	12	and	and	CCONJ
easat-9223	310	13	the	the	DET
easat-9223	310	14	computed	computed	ADJ
easat-9223	310	15	f	f	NOUN
easat-9223	310	16	-	-	PUNCT
easat-9223	310	17	value	value	NOUN
easat-9223	310	18	of	of	ADP
easat-9223	310	19	138.150	138.150	NUM
easat-9223	310	20	exceeds	exceed	VERB
easat-9223	310	21	the	the	DET
easat-9223	310	22	f	f	NUM
easat-9223	310	23	-	-	PUNCT
easat-9223	310	24	table	table	NOUN
easat-9223	310	25	value	value	NOUN
easat-9223	310	26	of	of	ADP
easat-9223	310	27	2.03	2.03	NUM
easat-9223	310	28	,	,	PUNCT
easat-9223	310	29	it	it	PRON
easat-9223	310	30	can	can	AUX
easat-9223	310	31	be	be	AUX
easat-9223	310	32	said	say	VERB
easat-9223	310	33	that	that	SCONJ
easat-9223	310	34	the	the	DET
easat-9223	310	35	regression	regression	NOUN
easat-9223	310	36	model	model	NOUN
easat-9223	310	37	,	,	PUNCT
easat-9223	310	38	which	which	PRON
easat-9223	310	39	simultaneously	simultaneously	ADV
easat-9223	310	40	incorporates	incorporate	VERB
easat-9223	310	41	the	the	DET
easat-9223	310	42	independent	independent	ADJ
easat-9223	310	43	and	and	CCONJ
easat-9223	310	44	interaction	interaction	NOUN
easat-9223	310	45	(	(	PUNCT
easat-9223	310	46	moderated	moderated	ADJ
easat-9223	310	47	)	)	PUNCT
easat-9223	310	48	variables	variable	NOUN
easat-9223	310	49	,	,	PUNCT
easat-9223	310	50	significantly	significantly	ADV
easat-9223	310	51	affects	affect	VERB
easat-9223	310	52	the	the	DET
easat-9223	310	53	dependent	dependent	ADJ
easat-9223	310	54	variable	variable	NOUN
easat-9223	310	55	.	.	PUNCT
easat-9223	311	1	4.10	4.10	NUM
easat-9223	311	2	.	.	PUNCT
easat-9223	312	1	coefficient	coefficient	NOUN
easat-9223	312	2	of	of	ADP
easat-9223	312	3	determination	determination	NOUN
easat-9223	312	4	test	test	NOUN
easat-9223	312	5	before	before	SCONJ
easat-9223	312	6	moderation	moderation	NOUN
easat-9223	312	7	inferential	inferential	ADJ
easat-9223	312	8	analysis	analysis	NOUN
easat-9223	312	9	was	be	AUX
easat-9223	312	10	used	use	VERB
easat-9223	312	11	to	to	PART
easat-9223	312	12	investigate	investigate	VERB
easat-9223	312	13	the	the	DET
easat-9223	312	14	relationship	relationship	NOUN
easat-9223	312	15	between	between	ADP
easat-9223	312	16	the	the	DET
easat-9223	312	17	variables	variable	NOUN
easat-9223	312	18	in	in	ADP
easat-9223	312	19	this	this	DET
easat-9223	312	20	investigation	investigation	NOUN
easat-9223	312	21	.	.	PUNCT
easat-9223	313	1	the	the	DET
easat-9223	313	2	analysis	analysis	NOUN
easat-9223	313	3	used	use	VERB
easat-9223	313	4	the	the	DET
easat-9223	313	5	product	product	NOUN
easat-9223	313	6	moment	moment	NOUN
easat-9223	313	7	correlation	correlation	NOUN
easat-9223	313	8	method	method	NOUN
easat-9223	313	9	in	in	ADP
easat-9223	313	10	spss	spss	PROPN
easat-9223	313	11	version	version	NOUN
easat-9223	313	12	26	26	NUM
easat-9223	313	13	to	to	PART
easat-9223	313	14	assess	assess	VERB
easat-9223	313	15	the	the	DET
easat-9223	313	16	correlation	correlation	NOUN
easat-9223	313	17	's	's	PART
easat-9223	313	18	strength	strength	NOUN
easat-9223	313	19	.	.	PUNCT
easat-9223	313	20	table	table	NOUN
easat-9223	313	21	11	11	NUM
easat-9223	313	22	.	.	PUNCT
easat-9223	314	1	coefficient	coefficient	NOUN
easat-9223	314	2	of	of	ADP
easat-9223	314	3	determination	determination	NOUN
easat-9223	314	4	test	test	NOUN
easat-9223	314	5	before	before	ADP
easat-9223	314	6	moderation	moderation	NOUN
easat-9223	314	7	.	.	PUNCT
easat-9223	315	1	model	model	NOUN
easat-9223	315	2	summary	summary	NOUN
easat-9223	315	3	model	model	NOUN
easat-9223	315	4	r	r	NOUN
easat-9223	315	5	r	r	NOUN
easat-9223	315	6	square	square	NOUN
easat-9223	315	7	1	1	NUM
easat-9223	315	8	0.817	0.817	NUM
easat-9223	315	9	0.667	0.667	NUM
easat-9223	315	10	according	accord	VERB
easat-9223	315	11	to	to	ADP
easat-9223	315	12	the	the	DET
easat-9223	315	13	results	result	NOUN
easat-9223	315	14	obtained	obtain	VERB
easat-9223	315	15	,	,	PUNCT
easat-9223	315	16	the	the	DET
easat-9223	315	17	correlation	correlation	NOUN
easat-9223	315	18	coefficient	coefficient	NOUN
easat-9223	315	19	(	(	PUNCT
easat-9223	315	20	r	r	NOUN
easat-9223	315	21	)	)	PUNCT
easat-9223	315	22	was	be	AUX
easat-9223	315	23	determined	determine	VERB
easat-9223	315	24	to	to	PART
easat-9223	315	25	be	be	AUX
easat-9223	315	26	0.817	0.817	NUM
easat-9223	315	27	for	for	ADP
easat-9223	315	28	the	the	DET
easat-9223	315	29	association	association	NOUN
easat-9223	315	30	between	between	ADP
easat-9223	315	31	(	(	PUNCT
easat-9223	315	32	x₁	x₁	PROPN
easat-9223	315	33	)	)	PUNCT
easat-9223	315	34	,	,	PUNCT
easat-9223	315	35	(	(	PUNCT
easat-9223	315	36	x₂	x₂	ADJ
easat-9223	315	37	)	)	PUNCT
easat-9223	315	38	,	,	PUNCT
easat-9223	315	39	and	and	CCONJ
easat-9223	315	40	(	(	PUNCT
easat-9223	315	41	x₃	x₃	PROPN
easat-9223	315	42	)	)	PUNCT
easat-9223	315	43	in	in	ADP
easat-9223	315	44	relation	relation	NOUN
easat-9223	315	45	to	to	ADP
easat-9223	315	46	(	(	PUNCT
easat-9223	315	47	y	y	NOUN
easat-9223	315	48	)	)	PUNCT
easat-9223	315	49	.	.	PUNCT
easat-9223	316	1	this	this	DET
easat-9223	316	2	figure	figure	NOUN
easat-9223	316	3	signifies	signify	VERB
easat-9223	316	4	a	a	DET
easat-9223	316	5	positive	positive	ADJ
easat-9223	316	6	and	and	CCONJ
easat-9223	316	7	exceptionally	exceptionally	ADV
easat-9223	316	8	strong	strong	ADJ
easat-9223	316	9	correlation	correlation	NOUN
easat-9223	316	10	between	between	ADP
easat-9223	316	11	the	the	DET
easat-9223	316	12	independent	independent	ADJ
easat-9223	316	13	variables	variable	NOUN
easat-9223	316	14	and	and	CCONJ
easat-9223	316	15	the	the	DET
easat-9223	316	16	dependent	dependent	ADJ
easat-9223	316	17	variable	variable	NOUN
easat-9223	316	18	.	.	PUNCT
easat-9223	317	1	the	the	DET
easat-9223	317	2	tests	test	NOUN
easat-9223	317	3	for	for	ADP
easat-9223	317	4	the	the	DET
easat-9223	317	5	coefficient	coefficient	NOUN
easat-9223	317	6	of	of	ADP
easat-9223	317	7	determination	determination	NOUN
easat-9223	317	8	are	be	AUX
easat-9223	317	9	designed	design	VERB
easat-9223	317	10	to	to	PART
easat-9223	317	11	assess	assess	VERB
easat-9223	317	12	the	the	DET
easat-9223	317	13	significance	significance	NOUN
easat-9223	317	14	of	of	ADP
easat-9223	317	15	each	each	DET
easat-9223	317	16	independent	independent	ADJ
easat-9223	317	17	variable	variable	NOUN
easat-9223	317	18	in	in	ADP
easat-9223	317	19	relation	relation	NOUN
easat-9223	317	20	to	to	ADP
easat-9223	317	21	the	the	DET
easat-9223	317	22	dependent	dependent	ADJ
easat-9223	317	23	variable	variable	NOUN
easat-9223	317	24	.	.	PUNCT
easat-9223	318	1	based	base	VERB
easat-9223	318	2	on	on	ADP
easat-9223	318	3	the	the	DET
easat-9223	318	4	spss	spss	PROPN
easat-9223	318	5	output	output	NOUN
easat-9223	318	6	table	table	NOUN
easat-9223	318	7	found	find	VERB
easat-9223	318	8	in	in	ADP
easat-9223	318	9	the	the	DET
easat-9223	318	10	summary	summary	NOUN
easat-9223	318	11	section	section	NOUN
easat-9223	318	12	of	of	ADP
easat-9223	318	13	the	the	DET
easat-9223	318	14	coefficient	coefficient	NOUN
easat-9223	318	15	of	of	ADP
easat-9223	318	16	determination	determination	NOUN
easat-9223	318	17	test	test	NOUN
easat-9223	318	18	,	,	PUNCT
easat-9223	318	19	the	the	DET
easat-9223	318	20	r2	r2	PROPN
easat-9223	318	21	value	value	NOUN
easat-9223	318	22	is	be	AUX
easat-9223	318	23	recorded	record	VERB
easat-9223	318	24	as	as	ADP
easat-9223	318	25	0.667	0.667	NUM
easat-9223	318	26	,	,	PUNCT
easat-9223	318	27	equating	equate	VERB
easat-9223	318	28	to	to	ADP
easat-9223	318	29	66.7	66.7	NUM
easat-9223	318	30	%	%	NOUN
easat-9223	318	31	.	.	PUNCT
easat-9223	319	1	this	this	PRON
easat-9223	319	2	demonstrates	demonstrate	VERB
easat-9223	319	3	that	that	SCONJ
easat-9223	319	4	when	when	SCONJ
easat-9223	319	5	all	all	DET
easat-9223	319	6	independent	independent	ADJ
easat-9223	319	7	variables	variable	NOUN
easat-9223	319	8	are	be	AUX
easat-9223	319	9	considered	consider	VERB
easat-9223	319	10	together	together	ADV
easat-9223	319	11	,	,	PUNCT
easat-9223	319	12	they	they	PRON
easat-9223	319	13	account	account	VERB
easat-9223	319	14	for	for	ADP
easat-9223	319	15	107	107	NUM
easat-9223	319	16	edelweiss	edelweiss	PROPN
easat-9223	319	17	applied	apply	VERB
easat-9223	319	18	science	science	NOUN
easat-9223	319	19	and	and	CCONJ
easat-9223	319	20	technology	technology	NOUN
easat-9223	319	21	issn	issn	PROPN
easat-9223	319	22	:	:	PUNCT
easat-9223	319	23	2576	2576	NUM
easat-9223	319	24	-	-	SYM
easat-9223	319	25	8484	8484	NUM
easat-9223	319	26	vol	vol	NOUN
easat-9223	319	27	.	.	PROPN
easat-9223	320	1	9	9	NUM
easat-9223	320	2	,	,	PUNCT
easat-9223	320	3	no	no	INTJ
easat-9223	320	4	.	.	NOUN
easat-9223	320	5	8	8	NUM
easat-9223	320	6	:	:	SYM
easat-9223	320	7	95	95	NUM
easat-9223	320	8	-	-	SYM
easat-9223	320	9	112	112	NUM
easat-9223	320	10	,	,	PUNCT
easat-9223	320	11	2025	2025	NUM
easat-9223	320	12	doi	doi	NOUN
easat-9223	320	13	:	:	PUNCT
easat-9223	320	14	10.55214/2576	10.55214/2576	NUM
easat-9223	320	15	-	-	PUNCT
easat-9223	320	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	320	17	©	©	PROPN
easat-9223	320	18	2025	2025	NUM
easat-9223	320	19	by	by	ADP
easat-9223	320	20	the	the	DET
easat-9223	320	21	authors	author	NOUN
easat-9223	320	22	;	;	PUNCT
easat-9223	320	23	licensee	licensee	PROPN
easat-9223	320	24	learning	learning	NOUN
easat-9223	320	25	gate	gate	VERB
easat-9223	320	26	66.7	66.7	NUM
easat-9223	320	27	%	%	NOUN
easat-9223	320	28	of	of	ADP
easat-9223	320	29	the	the	DET
easat-9223	320	30	variation	variation	NOUN
easat-9223	320	31	in	in	ADP
easat-9223	320	32	the	the	DET
easat-9223	320	33	dependent	dependent	ADJ
easat-9223	320	34	variable	variable	NOUN
easat-9223	320	35	.	.	PUNCT
easat-9223	321	1	we	we	PRON
easat-9223	321	2	attribute	attribute	VERB
easat-9223	321	3	the	the	DET
easat-9223	321	4	remaining	remain	VERB
easat-9223	321	5	33.3	33.3	NUM
easat-9223	321	6	%	%	NOUN
easat-9223	321	7	to	to	ADP
easat-9223	321	8	a	a	DET
easat-9223	321	9	plethora	plethora	NOUN
easat-9223	321	10	of	of	ADP
easat-9223	321	11	other	other	ADJ
easat-9223	321	12	variables	variable	NOUN
easat-9223	321	13	that	that	PRON
easat-9223	321	14	were	be	AUX
easat-9223	321	15	not	not	PART
easat-9223	321	16	considered	consider	VERB
easat-9223	321	17	in	in	ADP
easat-9223	321	18	our	our	PRON
easat-9223	321	19	study	study	NOUN
easat-9223	321	20	.	.	PUNCT
easat-9223	322	1	4.11	4.11	NUM
easat-9223	322	2	.	.	PUNCT
easat-9223	323	1	coefficient	coefficient	NOUN
easat-9223	323	2	of	of	ADP
easat-9223	323	3	determination	determination	NOUN
easat-9223	323	4	test	test	NOUN
easat-9223	323	5	after	after	ADP
easat-9223	323	6	moderation	moderation	NOUN
easat-9223	323	7	referring	refer	VERB
easat-9223	323	8	to	to	ADP
easat-9223	323	9	table	table	NOUN
easat-9223	323	10	12	12	NUM
easat-9223	323	11	,	,	PUNCT
easat-9223	323	12	the	the	DET
easat-9223	323	13	correlation	correlation	NOUN
easat-9223	323	14	coefficient	coefficient	NOUN
easat-9223	323	15	(	(	PUNCT
easat-9223	323	16	r	r	NOUN
easat-9223	323	17	)	)	PUNCT
easat-9223	323	18	between	between	ADP
easat-9223	323	19	the	the	DET
easat-9223	323	20	independent	independent	ADJ
easat-9223	323	21	variables	variable	NOUN
easat-9223	323	22	(	(	PUNCT
easat-9223	323	23	including	include	VERB
easat-9223	323	24	those	those	PRON
easat-9223	323	25	that	that	PRON
easat-9223	323	26	have	have	AUX
easat-9223	323	27	been	be	AUX
easat-9223	323	28	moderated	moderate	VERB
easat-9223	323	29	)	)	PUNCT
easat-9223	323	30	and	and	CCONJ
easat-9223	323	31	the	the	DET
easat-9223	323	32	dependent	dependent	ADJ
easat-9223	323	33	variable	variable	NOUN
easat-9223	323	34	is	be	AUX
easat-9223	323	35	0.844	0.844	NUM
easat-9223	323	36	.	.	PUNCT
easat-9223	324	1	this	this	PRON
easat-9223	324	2	reflects	reflect	VERB
easat-9223	324	3	a	a	DET
easat-9223	324	4	positive	positive	ADJ
easat-9223	324	5	correlation	correlation	NOUN
easat-9223	324	6	among	among	ADP
easat-9223	324	7	the	the	DET
easat-9223	324	8	variables	variable	NOUN
easat-9223	324	9	,	,	PUNCT
easat-9223	324	10	indicating	indicate	VERB
easat-9223	324	11	a	a	DET
easat-9223	324	12	very	very	ADV
easat-9223	324	13	strong	strong	ADJ
easat-9223	324	14	relationship	relationship	NOUN
easat-9223	324	15	.	.	PUNCT
easat-9223	325	1	table	table	NOUN
easat-9223	325	2	12	12	NUM
easat-9223	325	3	.	.	PUNCT
easat-9223	326	1	coefficient	coefficient	NOUN
easat-9223	326	2	of	of	ADP
easat-9223	326	3	determination	determination	NOUN
easat-9223	326	4	test	test	NOUN
easat-9223	326	5	after	after	ADP
easat-9223	326	6	moderation	moderation	NOUN
easat-9223	326	7	.	.	PUNCT
easat-9223	327	1	model	model	NOUN
easat-9223	327	2	summary	summary	NOUN
easat-9223	327	3	model	model	NOUN
easat-9223	327	4	r	r	NOUN
easat-9223	327	5	r	r	NOUN
easat-9223	327	6	square	square	NOUN
easat-9223	327	7	1	1	NUM
easat-9223	327	8	0.844	0.844	NUM
easat-9223	327	9	0.712	0.712	NUM
easat-9223	327	10	referring	refer	VERB
easat-9223	327	11	to	to	ADP
easat-9223	327	12	the	the	DET
easat-9223	327	13	spss	spss	PROPN
easat-9223	327	14	output	output	NOUN
easat-9223	327	15	displayed	display	VERB
easat-9223	327	16	in	in	ADP
easat-9223	327	17	the	the	DET
easat-9223	327	18	summary	summary	NOUN
easat-9223	327	19	of	of	ADP
easat-9223	327	20	determination	determination	NOUN
easat-9223	327	21	coefficient	coefficient	NOUN
easat-9223	327	22	test	test	NOUN
easat-9223	327	23	table	table	NOUN
easat-9223	328	1	;	;	PUNCT
easat-9223	328	2	the	the	DET
easat-9223	328	3	r	r	NOUN
easat-9223	328	4	square	square	ADJ
easat-9223	328	5	value	value	NOUN
easat-9223	328	6	is	be	AUX
easat-9223	328	7	recorded	record	VERB
easat-9223	328	8	as	as	ADP
easat-9223	328	9	0.712	0.712	NUM
easat-9223	328	10	or	or	CCONJ
easat-9223	328	11	equivalent	equivalent	ADJ
easat-9223	328	12	to	to	ADP
easat-9223	328	13	71.2	71.2	NUM
easat-9223	328	14	%	%	NOUN
easat-9223	328	15	.	.	PUNCT
easat-9223	329	1	this	this	PRON
easat-9223	329	2	shows	show	VERB
easat-9223	329	3	that	that	SCONJ
easat-9223	329	4	the	the	DET
easat-9223	329	5	independent	independent	ADJ
easat-9223	329	6	variables	variable	NOUN
easat-9223	329	7	and	and	CCONJ
easat-9223	329	8	interaction	interaction	NOUN
easat-9223	329	9	variables	variable	NOUN
easat-9223	329	10	(	(	PUNCT
easat-9223	329	11	moderating	moderating	NOUN
easat-9223	329	12	variables	variable	NOUN
easat-9223	329	13	)	)	PUNCT
easat-9223	329	14	account	account	VERB
easat-9223	329	15	for	for	ADP
easat-9223	329	16	71.2	71.2	NUM
easat-9223	329	17	%	%	NOUN
easat-9223	329	18	of	of	ADP
easat-9223	329	19	the	the	DET
easat-9223	329	20	variation	variation	NOUN
easat-9223	329	21	in	in	ADP
easat-9223	329	22	the	the	DET
easat-9223	329	23	dependent	dependent	ADJ
easat-9223	329	24	variable	variable	NOUN
easat-9223	329	25	,	,	PUNCT
easat-9223	329	26	with	with	ADP
easat-9223	329	27	various	various	ADJ
easat-9223	329	28	other	other	ADJ
easat-9223	329	29	factors	factor	NOUN
easat-9223	329	30	not	not	PART
easat-9223	329	31	covered	cover	VERB
easat-9223	329	32	by	by	ADP
easat-9223	329	33	this	this	DET
easat-9223	329	34	research	research	NOUN
easat-9223	329	35	model	model	NOUN
easat-9223	329	36	accounting	account	VERB
easat-9223	329	37	for	for	ADP
easat-9223	329	38	the	the	DET
easat-9223	329	39	remaining	remain	VERB
easat-9223	329	40	28.8	28.8	NUM
easat-9223	329	41	%	%	NOUN
easat-9223	329	42	.	.	PUNCT
easat-9223	330	1	furthermore	furthermore	ADV
easat-9223	330	2	,	,	PUNCT
easat-9223	330	3	the	the	DET
easat-9223	330	4	r	r	NOUN
easat-9223	330	5	-	-	PUNCT
easat-9223	330	6	squared	square	VERB
easat-9223	330	7	value	value	NOUN
easat-9223	330	8	following	follow	VERB
easat-9223	330	9	moderation	moderation	NOUN
easat-9223	330	10	(	(	PUNCT
easat-9223	330	11	0.712	0.712	NUM
easat-9223	330	12	)	)	PUNCT
easat-9223	330	13	surpasses	surpass	VERB
easat-9223	330	14	the	the	DET
easat-9223	330	15	r	r	NOUN
easat-9223	330	16	-	-	PUNCT
easat-9223	330	17	squared	square	VERB
easat-9223	330	18	value	value	NOUN
easat-9223	330	19	prior	prior	ADV
easat-9223	330	20	to	to	ADP
easat-9223	330	21	moderation	moderation	NOUN
easat-9223	330	22	(	(	PUNCT
easat-9223	330	23	0.667	0.667	NUM
easat-9223	330	24	)	)	PUNCT
easat-9223	330	25	,	,	PUNCT
easat-9223	330	26	suggesting	suggest	VERB
easat-9223	330	27	that	that	SCONJ
easat-9223	330	28	the	the	DET
easat-9223	330	29	relationship	relationship	NOUN
easat-9223	330	30	between	between	ADP
easat-9223	330	31	the	the	DET
easat-9223	330	32	independent	independent	ADJ
easat-9223	330	33	variables	variable	NOUN
easat-9223	330	34	and	and	CCONJ
easat-9223	330	35	the	the	DET
easat-9223	330	36	dependent	dependent	ADJ
easat-9223	330	37	variable	variable	NOUN
easat-9223	330	38	is	be	AUX
easat-9223	330	39	strengthened	strengthen	VERB
easat-9223	330	40	after	after	ADP
easat-9223	330	41	the	the	DET
easat-9223	330	42	inclusion	inclusion	NOUN
easat-9223	330	43	of	of	ADP
easat-9223	330	44	the	the	DET
easat-9223	330	45	moderating	moderate	VERB
easat-9223	330	46	variable	variable	NOUN
easat-9223	330	47	,	,	PUNCT
easat-9223	330	48	locus	locus	NOUN
easat-9223	330	49	of	of	ADP
easat-9223	330	50	control	control	NOUN
easat-9223	330	51	.	.	PUNCT
easat-9223	331	1	consequently	consequently	ADV
easat-9223	331	2	,	,	PUNCT
easat-9223	331	3	moderation	moderation	NOUN
easat-9223	331	4	plays	play	VERB
easat-9223	331	5	a	a	DET
easat-9223	331	6	vital	vital	ADJ
easat-9223	331	7	role	role	NOUN
easat-9223	331	8	in	in	ADP
easat-9223	331	9	improving	improve	VERB
easat-9223	331	10	the	the	DET
easat-9223	331	11	model	model	NOUN
easat-9223	331	12	's	's	PART
easat-9223	331	13	capacity	capacity	NOUN
easat-9223	331	14	to	to	PART
easat-9223	331	15	elucidate	elucidate	VERB
easat-9223	331	16	the	the	DET
easat-9223	331	17	dependent	dependent	ADJ
easat-9223	331	18	variable	variable	NOUN
easat-9223	331	19	.	.	PUNCT
easat-9223	332	1	4.12	4.12	NUM
easat-9223	332	2	.	.	PUNCT
easat-9223	332	3	discussion	discussion	NOUN
easat-9223	332	4	4.12.1	4.12.1	NUM
easat-9223	332	5	.	.	PUNCT
easat-9223	333	1	the	the	DET
easat-9223	333	2	influence	influence	NOUN
easat-9223	333	3	of	of	ADP
easat-9223	333	4	financial	financial	ADJ
easat-9223	333	5	literacy	literacy	NOUN
easat-9223	333	6	on	on	ADP
easat-9223	333	7	financial	financial	ADJ
easat-9223	333	8	management	management	NOUN
easat-9223	333	9	behavior	behavior	NOUN
easat-9223	333	10	(	(	PUNCT
easat-9223	333	11	h1	h1	PROPN
easat-9223	333	12	)	)	PUNCT
easat-9223	333	13	according	accord	VERB
easat-9223	333	14	to	to	ADP
easat-9223	333	15	the	the	DET
easat-9223	333	16	data	datum	NOUN
easat-9223	333	17	,	,	PUNCT
easat-9223	333	18	members	member	NOUN
easat-9223	333	19	of	of	ADP
easat-9223	333	20	generation	generation	NOUN
easat-9223	333	21	z	z	PROPN
easat-9223	333	22	in	in	ADP
easat-9223	333	23	indonesia	indonesia	PROPN
easat-9223	333	24	who	who	PRON
easat-9223	333	25	use	use	VERB
easat-9223	333	26	paylater	paylater	NOUN
easat-9223	333	27	to	to	PART
easat-9223	333	28	manage	manage	VERB
easat-9223	333	29	their	their	PRON
easat-9223	333	30	money	money	NOUN
easat-9223	333	31	do	do	VERB
easat-9223	333	32	better	well	ADV
easat-9223	333	33	when	when	SCONJ
easat-9223	333	34	they	they	PRON
easat-9223	333	35	have	have	VERB
easat-9223	333	36	a	a	DET
easat-9223	333	37	solid	solid	ADJ
easat-9223	333	38	grasp	grasp	NOUN
easat-9223	333	39	of	of	ADP
easat-9223	333	40	basic	basic	ADJ
easat-9223	333	41	financial	financial	ADJ
easat-9223	333	42	concepts	concept	NOUN
easat-9223	333	43	.	.	PUNCT
easat-9223	334	1	there	there	PRON
easat-9223	334	2	is	be	VERB
easat-9223	334	3	a	a	DET
easat-9223	334	4	positive	positive	ADJ
easat-9223	334	5	correlation	correlation	NOUN
easat-9223	334	6	between	between	ADP
easat-9223	334	7	one	one	NUM
easat-9223	334	8	's	's	PART
easat-9223	334	9	financial	financial	ADJ
easat-9223	334	10	management	management	NOUN
easat-9223	334	11	practices	practice	NOUN
easat-9223	334	12	and	and	CCONJ
easat-9223	334	13	their	their	PRON
easat-9223	334	14	level	level	NOUN
easat-9223	334	15	of	of	ADP
easat-9223	334	16	financial	financial	ADJ
easat-9223	334	17	knowledge	knowledge	NOUN
easat-9223	334	18	,	,	PUNCT
easat-9223	334	19	according	accord	VERB
easat-9223	334	20	to	to	ADP
easat-9223	334	21	this	this	DET
easat-9223	334	22	result	result	NOUN
easat-9223	334	23	.	.	PUNCT
easat-9223	335	1	when	when	SCONJ
easat-9223	335	2	it	it	PRON
easat-9223	335	3	comes	come	VERB
easat-9223	335	4	to	to	ADP
easat-9223	335	5	managing	manage	VERB
easat-9223	335	6	debt	debt	NOUN
easat-9223	335	7	,	,	PUNCT
easat-9223	335	8	investing	investing	NOUN
easat-9223	335	9	,	,	PUNCT
easat-9223	335	10	saving	saving	NOUN
easat-9223	335	11	,	,	PUNCT
easat-9223	335	12	and	and	CCONJ
easat-9223	335	13	spending	spend	VERB
easat-9223	335	14	wisely	wisely	ADV
easat-9223	335	15	,	,	PUNCT
easat-9223	335	16	people	people	NOUN
easat-9223	335	17	who	who	PRON
easat-9223	335	18	are	be	AUX
easat-9223	335	19	financially	financially	ADV
easat-9223	335	20	literate	literate	ADJ
easat-9223	335	21	are	be	AUX
easat-9223	335	22	much	much	ADV
easat-9223	335	23	more	more	ADV
easat-9223	335	24	adept	adept	ADJ
easat-9223	335	25	.	.	PUNCT
easat-9223	336	1	this	this	DET
easat-9223	336	2	understanding	understanding	NOUN
easat-9223	336	3	is	be	AUX
easat-9223	336	4	in	in	ADP
easat-9223	336	5	line	line	NOUN
easat-9223	336	6	with	with	ADP
easat-9223	336	7	the	the	DET
easat-9223	336	8	theory	theory	NOUN
easat-9223	336	9	of	of	ADP
easat-9223	336	10	planned	plan	VERB
easat-9223	336	11	behavior	behavior	NOUN
easat-9223	336	12	,	,	PUNCT
easat-9223	336	13	which	which	PRON
easat-9223	336	14	states	state	VERB
easat-9223	336	15	that	that	SCONJ
easat-9223	336	16	a	a	DET
easat-9223	336	17	person	person	NOUN
easat-9223	336	18	's	's	PART
easat-9223	336	19	attitude	attitude	NOUN
easat-9223	336	20	and	and	CCONJ
easat-9223	336	21	level	level	NOUN
easat-9223	336	22	of	of	ADP
easat-9223	336	23	knowledge	knowledge	NOUN
easat-9223	336	24	impact	impact	NOUN
easat-9223	336	25	their	their	PRON
easat-9223	336	26	behavior	behavior	NOUN
easat-9223	336	27	,	,	PUNCT
easat-9223	336	28	including	include	VERB
easat-9223	336	29	their	their	PRON
easat-9223	336	30	financial	financial	ADJ
easat-9223	336	31	management	management	NOUN
easat-9223	336	32	.	.	PUNCT
easat-9223	337	1	moreover	moreover	ADV
easat-9223	337	2	,	,	PUNCT
easat-9223	337	3	this	this	DET
easat-9223	337	4	study	study	NOUN
easat-9223	337	5	corroborates	corroborate	VERB
easat-9223	337	6	the	the	DET
easat-9223	337	7	findings	finding	NOUN
easat-9223	337	8	of	of	ADP
easat-9223	337	9	several	several	ADJ
easat-9223	337	10	other	other	ADJ
easat-9223	337	11	studies	study	NOUN
easat-9223	337	12	that	that	PRON
easat-9223	337	13	indicate	indicate	VERB
easat-9223	337	14	enhanced	enhanced	ADJ
easat-9223	337	15	financial	financial	ADJ
easat-9223	337	16	literacy	literacy	NOUN
easat-9223	337	17	fosters	foster	VERB
easat-9223	337	18	responsible	responsible	ADJ
easat-9223	337	19	financial	financial	ADJ
easat-9223	337	20	behavior	behavior	NOUN
easat-9223	337	21	among	among	ADP
easat-9223	337	22	generation	generation	NOUN
easat-9223	337	23	z.	z.	PROPN
easat-9223	337	24	individuals	individual	NOUN
easat-9223	337	25	who	who	PRON
easat-9223	337	26	possess	possess	VERB
easat-9223	337	27	a	a	DET
easat-9223	337	28	high	high	ADJ
easat-9223	337	29	degree	degree	NOUN
easat-9223	337	30	of	of	ADP
easat-9223	337	31	financial	financial	ADJ
easat-9223	337	32	literacy	literacy	NOUN
easat-9223	337	33	are	be	AUX
easat-9223	337	34	generally	generally	ADV
easat-9223	337	35	adept	adept	ADJ
easat-9223	337	36	at	at	ADP
easat-9223	337	37	budgeting	budgeting	NOUN
easat-9223	337	38	,	,	PUNCT
easat-9223	337	39	saving	saving	NOUN
easat-9223	337	40	,	,	PUNCT
easat-9223	337	41	controlling	control	VERB
easat-9223	337	42	their	their	PRON
easat-9223	337	43	expenditures	expenditure	NOUN
easat-9223	337	44	,	,	PUNCT
easat-9223	337	45	investing	investing	NOUN
easat-9223	337	46	,	,	PUNCT
easat-9223	337	47	and	and	CCONJ
easat-9223	337	48	fulfilling	fulfil	VERB
easat-9223	337	49	their	their	PRON
easat-9223	337	50	financial	financial	ADJ
easat-9223	337	51	obligations	obligation	NOUN
easat-9223	337	52	punctually	punctually	ADV
easat-9223	337	53	[	[	X
easat-9223	337	54	39	39	NUM
easat-9223	337	55	,	,	PUNCT
easat-9223	337	56	56	56	NUM
easat-9223	337	57	]	]	PUNCT
easat-9223	337	58	.	.	PUNCT
easat-9223	338	1	additional	additional	ADJ
easat-9223	338	2	research	research	NOUN
easat-9223	338	3	supports	support	VERB
easat-9223	338	4	the	the	DET
easat-9223	338	5	findings	finding	NOUN
easat-9223	338	6	by	by	ADP
easat-9223	338	7	demonstrating	demonstrate	VERB
easat-9223	338	8	a	a	DET
easat-9223	338	9	positive	positive	ADJ
easat-9223	338	10	correlation	correlation	NOUN
easat-9223	338	11	between	between	ADP
easat-9223	338	12	financial	financial	ADJ
easat-9223	338	13	literacy	literacy	NOUN
easat-9223	338	14	and	and	CCONJ
easat-9223	338	15	behavior	behavior	NOUN
easat-9223	338	16	related	relate	VERB
easat-9223	338	17	to	to	ADP
easat-9223	338	18	financial	financial	ADJ
easat-9223	338	19	management	management	NOUN
easat-9223	338	20	[	[	X
easat-9223	338	21	57	57	NUM
easat-9223	338	22	]	]	PUNCT
easat-9223	338	23	.	.	PUNCT
easat-9223	339	1	4.12.2	4.12.2	NUM
easat-9223	339	2	.	.	PUNCT
easat-9223	340	1	the	the	DET
easat-9223	340	2	influence	influence	NOUN
easat-9223	340	3	of	of	ADP
easat-9223	340	4	financial	financial	ADJ
easat-9223	340	5	attitude	attitude	NOUN
easat-9223	340	6	on	on	ADP
easat-9223	340	7	financial	financial	ADJ
easat-9223	340	8	management	management	NOUN
easat-9223	340	9	behavior	behavior	NOUN
easat-9223	340	10	(	(	PUNCT
easat-9223	340	11	h2	h2	NOUN
easat-9223	340	12	)	)	PUNCT
easat-9223	340	13	financial	financial	ADJ
easat-9223	340	14	attitudes	attitude	NOUN
easat-9223	340	15	significantly	significantly	ADV
easat-9223	340	16	and	and	CCONJ
easat-9223	340	17	positively	positively	ADV
easat-9223	340	18	affect	affect	VERB
easat-9223	340	19	financial	financial	ADJ
easat-9223	340	20	management	management	NOUN
easat-9223	340	21	behavior	behavior	NOUN
easat-9223	340	22	,	,	PUNCT
easat-9223	340	23	according	accord	VERB
easat-9223	340	24	to	to	ADP
easat-9223	340	25	this	this	DET
easat-9223	340	26	study	study	NOUN
easat-9223	340	27	's	's	PART
easat-9223	340	28	results	result	NOUN
easat-9223	340	29	.	.	PUNCT
easat-9223	341	1	consistent	consistent	ADJ
easat-9223	341	2	with	with	ADP
easat-9223	341	3	previous	previous	ADJ
easat-9223	341	4	studies	study	NOUN
easat-9223	341	5	,	,	PUNCT
easat-9223	341	6	these	these	DET
easat-9223	341	7	findings	finding	NOUN
easat-9223	341	8	highlight	highlight	VERB
easat-9223	341	9	the	the	DET
easat-9223	341	10	importance	importance	NOUN
easat-9223	341	11	of	of	ADP
easat-9223	341	12	positive	positive	ADJ
easat-9223	341	13	financial	financial	ADJ
easat-9223	341	14	attitudes	attitude	NOUN
easat-9223	341	15	in	in	ADP
easat-9223	341	16	inspiring	inspire	VERB
easat-9223	341	17	individuals	individual	NOUN
easat-9223	341	18	to	to	PART
easat-9223	341	19	practice	practice	VERB
easat-9223	341	20	sound	sound	ADJ
easat-9223	341	21	money	money	NOUN
easat-9223	341	22	management	management	NOUN
easat-9223	341	23	[	[	X
easat-9223	341	24	42	42	NUM
easat-9223	341	25	]	]	PUNCT
easat-9223	341	26	.	.	PUNCT
easat-9223	342	1	consequently	consequently	ADV
easat-9223	342	2	,	,	PUNCT
easat-9223	342	3	it	it	PRON
easat-9223	342	4	is	be	AUX
easat-9223	342	5	essential	essential	ADJ
easat-9223	342	6	to	to	PART
easat-9223	342	7	foster	foster	VERB
easat-9223	342	8	a	a	DET
easat-9223	342	9	positive	positive	ADJ
easat-9223	342	10	financial	financial	ADJ
easat-9223	342	11	attitude	attitude	NOUN
easat-9223	342	12	through	through	ADP
easat-9223	342	13	education	education	NOUN
easat-9223	342	14	and	and	CCONJ
easat-9223	342	15	socialization	socialization	NOUN
easat-9223	342	16	to	to	PART
easat-9223	342	17	motivate	motivate	VERB
easat-9223	342	18	generation	generation	NOUN
easat-9223	342	19	z	z	NOUN
easat-9223	342	20	to	to	PART
easat-9223	342	21	make	make	VERB
easat-9223	342	22	more	more	ADV
easat-9223	342	23	informed	informed	ADJ
easat-9223	342	24	financial	financial	ADJ
easat-9223	342	25	choices	choice	NOUN
easat-9223	342	26	,	,	PUNCT
easat-9223	342	27	particularly	particularly	ADV
easat-9223	342	28	when	when	SCONJ
easat-9223	342	29	utilizing	utilize	VERB
easat-9223	342	30	digital	digital	ADJ
easat-9223	342	31	financial	financial	ADJ
easat-9223	342	32	services	service	NOUN
easat-9223	342	33	like	like	ADP
easat-9223	342	34	paylater	paylater	NOUN
easat-9223	342	35	.	.	PUNCT
easat-9223	343	1	this	this	DET
easat-9223	343	2	assertion	assertion	NOUN
easat-9223	343	3	is	be	AUX
easat-9223	343	4	further	far	ADV
easat-9223	343	5	corroborated	corroborate	VERB
easat-9223	343	6	by	by	ADP
easat-9223	343	7	additional	additional	ADJ
easat-9223	343	8	research	research	NOUN
easat-9223	343	9	,	,	PUNCT
easat-9223	343	10	which	which	PRON
easat-9223	343	11	posits	posit	VERB
easat-9223	343	12	that	that	SCONJ
easat-9223	343	13	financial	financial	ADJ
easat-9223	343	14	attitude	attitude	NOUN
easat-9223	343	15	embodies	embody	VERB
easat-9223	343	16	a	a	DET
easat-9223	343	17	psychological	psychological	ADJ
easat-9223	343	18	inclination	inclination	NOUN
easat-9223	343	19	that	that	PRON
easat-9223	343	20	influences	influence	VERB
easat-9223	343	21	how	how	SCONJ
easat-9223	343	22	individuals	individual	NOUN
easat-9223	343	23	assess	assess	VERB
easat-9223	343	24	financial	financial	ADJ
easat-9223	343	25	management	management	NOUN
easat-9223	343	26	strategies	strategy	NOUN
easat-9223	343	27	,	,	PUNCT
easat-9223	343	28	leading	lead	VERB
easat-9223	343	29	to	to	ADP
easat-9223	343	30	varying	vary	VERB
easat-9223	343	31	degrees	degree	NOUN
easat-9223	343	32	of	of	ADP
easat-9223	343	33	acceptance	acceptance	NOUN
easat-9223	343	34	or	or	CCONJ
easat-9223	343	35	rejection	rejection	NOUN
easat-9223	343	36	[	[	X
easat-9223	343	37	58	58	NUM
easat-9223	343	38	]	]	PUNCT
easat-9223	343	39	.	.	PUNCT
easat-9223	344	1	in	in	ADP
easat-9223	344	2	this	this	DET
easat-9223	344	3	regard	regard	NOUN
easat-9223	344	4	,	,	PUNCT
easat-9223	344	5	108	108	NUM
easat-9223	344	6	edelweiss	edelweiss	PROPN
easat-9223	344	7	applied	apply	VERB
easat-9223	344	8	science	science	NOUN
easat-9223	344	9	and	and	CCONJ
easat-9223	344	10	technology	technology	NOUN
easat-9223	344	11	issn	issn	PROPN
easat-9223	344	12	:	:	PUNCT
easat-9223	344	13	2576	2576	NUM
easat-9223	344	14	-	-	SYM
easat-9223	344	15	8484	8484	NUM
easat-9223	344	16	vol	vol	NOUN
easat-9223	344	17	.	.	PROPN
easat-9223	345	1	9	9	NUM
easat-9223	345	2	,	,	PUNCT
easat-9223	345	3	no	no	INTJ
easat-9223	345	4	.	.	NOUN
easat-9223	345	5	8	8	NUM
easat-9223	345	6	:	:	SYM
easat-9223	345	7	95	95	NUM
easat-9223	345	8	-	-	SYM
easat-9223	345	9	112	112	NUM
easat-9223	345	10	,	,	PUNCT
easat-9223	345	11	2025	2025	NUM
easat-9223	345	12	doi	doi	NOUN
easat-9223	345	13	:	:	PUNCT
easat-9223	345	14	10.55214/2576	10.55214/2576	NUM
easat-9223	345	15	-	-	PUNCT
easat-9223	345	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	345	17	©	©	PROPN
easat-9223	345	18	2025	2025	NUM
easat-9223	345	19	by	by	ADP
easat-9223	345	20	the	the	DET
easat-9223	345	21	authors	author	NOUN
easat-9223	345	22	;	;	PUNCT
easat-9223	345	23	licensee	licensee	PROPN
easat-9223	345	24	learning	learn	VERB
easat-9223	345	25	gate	gate	NOUN
easat-9223	345	26	participants	participant	NOUN
easat-9223	345	27	demonstrated	demonstrate	VERB
easat-9223	345	28	an	an	DET
easat-9223	345	29	understanding	understanding	NOUN
easat-9223	345	30	and	and	CCONJ
easat-9223	345	31	accountability	accountability	NOUN
easat-9223	345	32	in	in	ADP
easat-9223	345	33	their	their	PRON
easat-9223	345	34	financial	financial	ADJ
easat-9223	345	35	management	management	NOUN
easat-9223	345	36	,	,	PUNCT
easat-9223	345	37	making	make	VERB
easat-9223	345	38	sound	sound	ADJ
easat-9223	345	39	investment	investment	NOUN
easat-9223	345	40	choices	choice	NOUN
easat-9223	345	41	and	and	CCONJ
easat-9223	345	42	working	work	VERB
easat-9223	345	43	towards	towards	ADP
easat-9223	345	44	achieving	achieve	VERB
easat-9223	345	45	their	their	PRON
easat-9223	345	46	long	long	ADJ
easat-9223	345	47	-	-	PUNCT
easat-9223	345	48	term	term	NOUN
easat-9223	345	49	financial	financial	ADJ
easat-9223	345	50	objectives	objective	NOUN
easat-9223	345	51	.	.	PUNCT
easat-9223	346	1	4.12.3	4.12.3	NUM
easat-9223	346	2	.	.	PUNCT
easat-9223	347	1	the	the	DET
easat-9223	347	2	influence	influence	NOUN
easat-9223	347	3	of	of	ADP
easat-9223	347	4	lifestyle	lifestyle	NOUN
easat-9223	347	5	on	on	ADP
easat-9223	347	6	financial	financial	ADJ
easat-9223	347	7	management	management	NOUN
easat-9223	347	8	behavior	behavior	NOUN
easat-9223	347	9	(	(	PUNCT
easat-9223	347	10	h3	h3	NOUN
easat-9223	347	11	)	)	PUNCT
easat-9223	347	12	the	the	DET
easat-9223	347	13	findings	finding	NOUN
easat-9223	347	14	from	from	ADP
easat-9223	347	15	the	the	DET
easat-9223	347	16	data	datum	NOUN
easat-9223	347	17	analysis	analysis	NOUN
easat-9223	347	18	indicate	indicate	VERB
easat-9223	347	19	that	that	SCONJ
easat-9223	347	20	an	an	DET
easat-9223	347	21	individual	individual	NOUN
easat-9223	347	22	's	's	PART
easat-9223	347	23	lifestyle	lifestyle	NOUN
easat-9223	347	24	has	have	VERB
easat-9223	347	25	a	a	DET
easat-9223	347	26	considerable	considerable	ADJ
easat-9223	347	27	impact	impact	NOUN
easat-9223	347	28	on	on	ADP
easat-9223	347	29	their	their	PRON
easat-9223	347	30	financial	financial	ADJ
easat-9223	347	31	management	management	NOUN
easat-9223	347	32	strategies	strategy	NOUN
easat-9223	347	33	.	.	PUNCT
easat-9223	348	1	this	this	DET
easat-9223	348	2	conclusion	conclusion	NOUN
easat-9223	348	3	aligns	align	VERB
easat-9223	348	4	with	with	ADP
easat-9223	348	5	previous	previous	ADJ
easat-9223	348	6	research	research	NOUN
easat-9223	348	7	that	that	PRON
easat-9223	348	8	has	have	AUX
easat-9223	348	9	shown	show	VERB
easat-9223	348	10	how	how	SCONJ
easat-9223	348	11	a	a	DET
easat-9223	348	12	person	person	NOUN
easat-9223	348	13	's	's	PART
easat-9223	348	14	lifestyle	lifestyle	NOUN
easat-9223	348	15	can	can	AUX
easat-9223	348	16	shape	shape	VERB
easat-9223	348	17	their	their	PRON
easat-9223	348	18	financial	financial	ADJ
easat-9223	348	19	decision	decision	NOUN
easat-9223	348	20	-	-	PUNCT
easat-9223	348	21	making	making	NOUN
easat-9223	348	22	,	,	PUNCT
easat-9223	348	23	thereby	thereby	ADV
easat-9223	348	24	influencing	influence	VERB
easat-9223	348	25	their	their	PRON
easat-9223	348	26	overall	overall	ADJ
easat-9223	348	27	financial	financial	ADJ
easat-9223	348	28	management	management	NOUN
easat-9223	348	29	[	[	X
easat-9223	348	30	43	43	NUM
easat-9223	348	31	]	]	PUNCT
easat-9223	348	32	.	.	PUNCT
easat-9223	349	1	this	this	PRON
easat-9223	349	2	suggests	suggest	VERB
easat-9223	349	3	that	that	SCONJ
easat-9223	349	4	a	a	DET
easat-9223	349	5	thoughtfully	thoughtfully	ADV
easat-9223	349	6	organized	organize	VERB
easat-9223	349	7	and	and	CCONJ
easat-9223	349	8	responsible	responsible	ADJ
easat-9223	349	9	lifestyle	lifestyle	NOUN
easat-9223	349	10	can	can	AUX
easat-9223	349	11	improve	improve	VERB
easat-9223	349	12	an	an	DET
easat-9223	349	13	individual	individual	NOUN
easat-9223	349	14	’s	’s	PART
easat-9223	349	15	capacity	capacity	NOUN
easat-9223	349	16	to	to	PART
easat-9223	349	17	handle	handle	VERB
easat-9223	349	18	their	their	PRON
easat-9223	349	19	finances	finance	NOUN
easat-9223	349	20	,	,	PUNCT
easat-9223	349	21	rendering	render	VERB
easat-9223	349	22	them	they	PRON
easat-9223	349	23	more	more	ADV
easat-9223	349	24	judicious	judicious	ADJ
easat-9223	349	25	and	and	CCONJ
easat-9223	349	26	insightful	insightful	ADJ
easat-9223	349	27	in	in	ADP
easat-9223	349	28	utilizing	utilize	VERB
easat-9223	349	29	digital	digital	ADJ
easat-9223	349	30	credit	credit	NOUN
easat-9223	349	31	services	service	NOUN
easat-9223	349	32	such	such	ADJ
easat-9223	349	33	as	as	ADP
easat-9223	349	34	pay	pay	NOUN
easat-9223	349	35	later	later	ADV
easat-9223	349	36	.	.	PUNCT
easat-9223	350	1	furthermore	furthermore	ADV
easat-9223	350	2	,	,	PUNCT
easat-9223	350	3	this	this	DET
easat-9223	350	4	outcome	outcome	NOUN
easat-9223	350	5	corroborates	corroborate	VERB
easat-9223	350	6	previous	previous	ADJ
easat-9223	350	7	research	research	NOUN
easat-9223	350	8	indicating	indicate	VERB
easat-9223	350	9	that	that	SCONJ
easat-9223	350	10	the	the	PRON
easat-9223	350	11	greater	great	ADJ
easat-9223	350	12	a	a	DET
easat-9223	350	13	person	person	NOUN
easat-9223	350	14	's	's	PART
easat-9223	350	15	understanding	understanding	NOUN
easat-9223	350	16	of	of	ADP
easat-9223	350	17	the	the	DET
easat-9223	350	18	value	value	NOUN
easat-9223	350	19	and	and	CCONJ
easat-9223	350	20	advantages	advantage	NOUN
easat-9223	350	21	of	of	ADP
easat-9223	350	22	a	a	DET
easat-9223	350	23	concept	concept	NOUN
easat-9223	350	24	,	,	PUNCT
easat-9223	350	25	the	the	PRON
easat-9223	350	26	more	more	ADV
easat-9223	350	27	effectively	effectively	ADV
easat-9223	350	28	they	they	PRON
easat-9223	350	29	can	can	AUX
easat-9223	350	30	adapt	adapt	VERB
easat-9223	350	31	their	their	PRON
easat-9223	350	32	lifestyle	lifestyle	NOUN
easat-9223	350	33	to	to	PART
easat-9223	350	34	fulfill	fulfill	VERB
easat-9223	350	35	their	their	PRON
easat-9223	350	36	requirements	requirement	NOUN
easat-9223	350	37	,	,	PUNCT
easat-9223	350	38	ultimately	ultimately	ADV
easat-9223	350	39	fostering	foster	VERB
easat-9223	350	40	the	the	DET
easat-9223	350	41	development	development	NOUN
easat-9223	350	42	of	of	ADP
easat-9223	350	43	more	more	ADV
easat-9223	350	44	efficient	efficient	ADJ
easat-9223	350	45	financial	financial	ADJ
easat-9223	350	46	management	management	NOUN
easat-9223	350	47	behavior	behavior	NOUN
easat-9223	350	48	[	[	X
easat-9223	350	49	59	59	NUM
easat-9223	350	50	]	]	PUNCT
easat-9223	350	51	.	.	PUNCT
easat-9223	351	1	additionally	additionally	ADV
easat-9223	351	2	,	,	PUNCT
easat-9223	351	3	this	this	DET
easat-9223	351	4	finding	finding	NOUN
easat-9223	351	5	is	be	AUX
easat-9223	351	6	in	in	ADP
easat-9223	351	7	agreement	agreement	NOUN
easat-9223	351	8	with	with	ADP
easat-9223	351	9	the	the	DET
easat-9223	351	10	theory	theory	NOUN
easat-9223	351	11	of	of	ADP
easat-9223	351	12	planned	plan	VERB
easat-9223	351	13	behavior	behavior	NOUN
easat-9223	351	14	,	,	PUNCT
easat-9223	351	15	which	which	PRON
easat-9223	351	16	posits	posit	VERB
easat-9223	351	17	that	that	SCONJ
easat-9223	351	18	an	an	DET
easat-9223	351	19	individual	individual	NOUN
easat-9223	351	20	’s	’s	PART
easat-9223	351	21	behaviors	behavior	NOUN
easat-9223	351	22	are	be	AUX
easat-9223	351	23	shaped	shape	VERB
easat-9223	351	24	by	by	ADP
easat-9223	351	25	personal	personal	ADJ
easat-9223	351	26	factors	factor	NOUN
easat-9223	351	27	including	include	VERB
easat-9223	351	28	attitudes	attitude	NOUN
easat-9223	351	29	,	,	PUNCT
easat-9223	351	30	personality	personality	NOUN
easat-9223	351	31	traits	trait	NOUN
easat-9223	351	32	,	,	PUNCT
easat-9223	351	33	life	life	NOUN
easat-9223	351	34	values	value	NOUN
easat-9223	351	35	,	,	PUNCT
easat-9223	351	36	emotions	emotion	NOUN
easat-9223	351	37	,	,	PUNCT
easat-9223	351	38	and	and	CCONJ
easat-9223	351	39	cognitive	cognitive	ADJ
easat-9223	351	40	abilities	ability	NOUN
easat-9223	351	41	.	.	PUNCT
easat-9223	352	1	in	in	ADP
easat-9223	352	2	this	this	DET
easat-9223	352	3	context	context	NOUN
easat-9223	352	4	,	,	PUNCT
easat-9223	352	5	lifestyle	lifestyle	NOUN
easat-9223	352	6	is	be	AUX
easat-9223	352	7	viewed	view	VERB
easat-9223	352	8	as	as	ADP
easat-9223	352	9	a	a	DET
easat-9223	352	10	component	component	NOUN
easat-9223	352	11	of	of	ADP
easat-9223	352	12	personality	personality	NOUN
easat-9223	352	13	,	,	PUNCT
easat-9223	352	14	as	as	SCONJ
easat-9223	352	15	it	it	PRON
easat-9223	352	16	manifests	manifest	VERB
easat-9223	352	17	in	in	ADP
easat-9223	352	18	one	one	NUM
easat-9223	352	19	’s	’s	PART
easat-9223	352	20	habits	habit	NOUN
easat-9223	352	21	,	,	PUNCT
easat-9223	352	22	daily	daily	ADJ
easat-9223	352	23	routines	routine	NOUN
easat-9223	352	24	,	,	PUNCT
easat-9223	352	25	and	and	CCONJ
easat-9223	352	26	the	the	DET
easat-9223	352	27	manner	manner	NOUN
easat-9223	352	28	in	in	ADP
easat-9223	352	29	which	which	PRON
easat-9223	352	30	individuals	individual	NOUN
easat-9223	352	31	allocate	allocate	VERB
easat-9223	352	32	their	their	PRON
easat-9223	352	33	time	time	NOUN
easat-9223	352	34	and	and	CCONJ
easat-9223	352	35	financial	financial	ADJ
easat-9223	352	36	resources	resource	NOUN
easat-9223	352	37	—	—	PUNCT
easat-9223	352	38	elements	element	NOUN
easat-9223	352	39	that	that	PRON
easat-9223	352	40	ultimately	ultimately	ADV
easat-9223	352	41	affect	affect	VERB
easat-9223	352	42	financial	financial	ADJ
easat-9223	352	43	management	management	NOUN
easat-9223	352	44	behavior	behavior	NOUN
easat-9223	352	45	.	.	PUNCT
easat-9223	353	1	4.12.4	4.12.4	NUM
easat-9223	353	2	.	.	PUNCT
easat-9223	354	1	the	the	DET
easat-9223	354	2	influence	influence	NOUN
easat-9223	354	3	of	of	ADP
easat-9223	354	4	financial	financial	ADJ
easat-9223	354	5	literacy	literacy	NOUN
easat-9223	354	6	on	on	ADP
easat-9223	354	7	financial	financial	ADJ
easat-9223	354	8	management	management	NOUN
easat-9223	354	9	behavior	behavior	NOUN
easat-9223	354	10	with	with	ADP
easat-9223	354	11	locus	locus	NOUN
easat-9223	354	12	of	of	ADP
easat-9223	354	13	control	control	NOUN
easat-9223	354	14	as	as	ADP
easat-9223	354	15	a	a	DET
easat-9223	354	16	moderating	moderate	VERB
easat-9223	354	17	variable	variable	NOUN
easat-9223	354	18	(	(	PUNCT
easat-9223	354	19	h4	h4	PROPN
easat-9223	354	20	)	)	PUNCT
easat-9223	354	21	the	the	DET
easat-9223	354	22	research	research	NOUN
easat-9223	354	23	indicated	indicate	VERB
easat-9223	354	24	that	that	SCONJ
easat-9223	354	25	there	there	PRON
easat-9223	354	26	was	be	VERB
easat-9223	354	27	no	no	DET
easat-9223	354	28	notable	notable	ADJ
easat-9223	354	29	moderating	moderate	VERB
easat-9223	354	30	factor	factor	NOUN
easat-9223	354	31	for	for	ADP
easat-9223	354	32	locus	locus	NOUN
easat-9223	354	33	of	of	ADP
easat-9223	354	34	control	control	NOUN
easat-9223	354	35	,	,	PUNCT
easat-9223	354	36	despite	despite	SCONJ
easat-9223	354	37	the	the	DET
easat-9223	354	38	existence	existence	NOUN
easat-9223	354	39	of	of	ADP
easat-9223	354	40	a	a	DET
easat-9223	354	41	positive	positive	ADJ
easat-9223	354	42	correlation	correlation	NOUN
easat-9223	354	43	between	between	ADP
easat-9223	354	44	financial	financial	ADJ
easat-9223	354	45	literacy	literacy	NOUN
easat-9223	354	46	and	and	CCONJ
easat-9223	354	47	financial	financial	ADJ
easat-9223	354	48	management	management	NOUN
easat-9223	354	49	behavior	behavior	NOUN
easat-9223	354	50	.	.	PUNCT
easat-9223	355	1	this	this	DET
easat-9223	355	2	finding	finding	NOUN
easat-9223	355	3	implies	imply	VERB
easat-9223	355	4	that	that	SCONJ
easat-9223	355	5	an	an	DET
easat-9223	355	6	individual	individual	NOUN
easat-9223	355	7	's	's	PART
easat-9223	355	8	level	level	NOUN
easat-9223	355	9	of	of	ADP
easat-9223	355	10	self	self	NOUN
easat-9223	355	11	-	-	PUNCT
easat-9223	355	12	control	control	NOUN
easat-9223	355	13	does	do	AUX
easat-9223	355	14	not	not	PART
easat-9223	355	15	necessarily	necessarily	ADV
easat-9223	355	16	enhance	enhance	VERB
easat-9223	355	17	the	the	DET
easat-9223	355	18	connection	connection	NOUN
easat-9223	355	19	between	between	ADP
easat-9223	355	20	financial	financial	ADJ
easat-9223	355	21	behavior	behavior	NOUN
easat-9223	355	22	and	and	CCONJ
easat-9223	355	23	knowledge	knowledge	NOUN
easat-9223	355	24	.	.	PUNCT
easat-9223	356	1	as	as	ADP
easat-9223	356	2	a	a	DET
easat-9223	356	3	result	result	NOUN
easat-9223	356	4	,	,	PUNCT
easat-9223	356	5	this	this	DET
easat-9223	356	6	finding	finding	NOUN
easat-9223	356	7	runs	run	VERB
easat-9223	356	8	counter	counter	ADV
easat-9223	356	9	to	to	ADP
easat-9223	356	10	previous	previous	ADJ
easat-9223	356	11	research	research	NOUN
easat-9223	356	12	that	that	PRON
easat-9223	356	13	found	find	VERB
easat-9223	356	14	locus	locus	NOUN
easat-9223	356	15	of	of	ADP
easat-9223	356	16	control	control	NOUN
easat-9223	356	17	to	to	PART
easat-9223	356	18	be	be	AUX
easat-9223	356	19	a	a	DET
easat-9223	356	20	factor	factor	NOUN
easat-9223	356	21	that	that	PRON
easat-9223	356	22	improves	improve	VERB
easat-9223	356	23	the	the	DET
easat-9223	356	24	correlation	correlation	NOUN
easat-9223	356	25	between	between	ADP
easat-9223	356	26	these	these	DET
easat-9223	356	27	two	two	NUM
easat-9223	356	28	variables	variable	NOUN
easat-9223	356	29	[	[	X
easat-9223	356	30	46	46	NUM
easat-9223	356	31	]	]	PUNCT
easat-9223	356	32	.	.	PUNCT
easat-9223	357	1	this	this	PRON
easat-9223	357	2	suggests	suggest	VERB
easat-9223	357	3	that	that	SCONJ
easat-9223	357	4	individuals	individual	NOUN
easat-9223	357	5	with	with	ADP
easat-9223	357	6	high	high	ADJ
easat-9223	357	7	self	self	NOUN
easat-9223	357	8	-	-	PUNCT
easat-9223	357	9	control	control	NOUN
easat-9223	357	10	,	,	PUNCT
easat-9223	357	11	as	as	SCONJ
easat-9223	357	12	indicated	indicate	VERB
easat-9223	357	13	by	by	ADP
easat-9223	357	14	their	their	PRON
easat-9223	357	15	financial	financial	ADJ
easat-9223	357	16	literacy	literacy	NOUN
easat-9223	357	17	,	,	PUNCT
easat-9223	357	18	do	do	AUX
easat-9223	357	19	not	not	PART
easat-9223	357	20	consistently	consistently	ADV
easat-9223	357	21	exhibit	exhibit	VERB
easat-9223	357	22	effective	effective	ADJ
easat-9223	357	23	financial	financial	ADJ
easat-9223	357	24	management	management	NOUN
easat-9223	357	25	practices	practice	NOUN
easat-9223	357	26	.	.	PUNCT
easat-9223	358	1	the	the	DET
easat-9223	358	2	observed	observe	VERB
easat-9223	358	3	low	low	ADJ
easat-9223	358	4	levels	level	NOUN
easat-9223	358	5	of	of	ADP
easat-9223	358	6	financial	financial	ADJ
easat-9223	358	7	literacy	literacy	NOUN
easat-9223	358	8	,	,	PUNCT
easat-9223	358	9	along	along	ADP
easat-9223	358	10	with	with	ADP
easat-9223	358	11	the	the	DET
easat-9223	358	12	influence	influence	NOUN
easat-9223	358	13	of	of	ADP
easat-9223	358	14	both	both	CCONJ
easat-9223	358	15	internal	internal	ADJ
easat-9223	358	16	and	and	CCONJ
easat-9223	358	17	external	external	ADJ
easat-9223	358	18	environmental	environmental	ADJ
easat-9223	358	19	factors	factor	NOUN
easat-9223	358	20	,	,	PUNCT
easat-9223	358	21	may	may	AUX
easat-9223	358	22	contribute	contribute	VERB
easat-9223	358	23	to	to	ADP
easat-9223	358	24	this	this	DET
easat-9223	358	25	phenomenon	phenomenon	NOUN
easat-9223	358	26	.	.	PUNCT
easat-9223	359	1	in	in	ADP
easat-9223	359	2	this	this	DET
easat-9223	359	3	regard	regard	NOUN
easat-9223	359	4	,	,	PUNCT
easat-9223	359	5	even	even	ADV
easat-9223	359	6	if	if	SCONJ
easat-9223	359	7	an	an	DET
easat-9223	359	8	individual	individual	NOUN
easat-9223	359	9	possesses	possess	VERB
easat-9223	359	10	a	a	DET
easat-9223	359	11	strong	strong	ADJ
easat-9223	359	12	internal	internal	ADJ
easat-9223	359	13	locus	locus	NOUN
easat-9223	359	14	of	of	ADP
easat-9223	359	15	control	control	NOUN
easat-9223	359	16	or	or	CCONJ
easat-9223	359	17	believes	believe	VERB
easat-9223	359	18	they	they	PRON
easat-9223	359	19	can	can	AUX
easat-9223	359	20	influence	influence	VERB
easat-9223	359	21	financial	financial	ADJ
easat-9223	359	22	outcomes	outcome	NOUN
easat-9223	359	23	,	,	PUNCT
easat-9223	359	24	if	if	SCONJ
easat-9223	359	25	their	their	PRON
easat-9223	359	26	approach	approach	NOUN
easat-9223	359	27	to	to	ADP
easat-9223	359	28	financial	financial	ADJ
easat-9223	359	29	management	management	NOUN
easat-9223	359	30	is	be	AUX
easat-9223	359	31	poorly	poorly	ADV
easat-9223	359	32	developed	develop	VERB
easat-9223	359	33	,	,	PUNCT
easat-9223	359	34	or	or	CCONJ
easat-9223	359	35	if	if	SCONJ
easat-9223	359	36	the	the	DET
easat-9223	359	37	prevailing	prevail	VERB
easat-9223	359	38	social	social	ADJ
easat-9223	359	39	norms	norm	NOUN
easat-9223	359	40	do	do	AUX
easat-9223	359	41	not	not	PART
easat-9223	359	42	endorse	endorse	VERB
easat-9223	359	43	prudent	prudent	ADJ
easat-9223	359	44	financial	financial	ADJ
easat-9223	359	45	behavior	behavior	NOUN
easat-9223	359	46	,	,	PUNCT
easat-9223	359	47	then	then	ADV
easat-9223	359	48	the	the	DET
easat-9223	359	49	financial	financial	ADJ
easat-9223	359	50	knowledge	knowledge	NOUN
easat-9223	359	51	they	they	PRON
easat-9223	359	52	hold	hold	VERB
easat-9223	359	53	may	may	AUX
easat-9223	359	54	not	not	PART
easat-9223	359	55	necessarily	necessarily	ADV
easat-9223	359	56	translate	translate	VERB
easat-9223	359	57	into	into	ADP
easat-9223	359	58	practical	practical	ADJ
easat-9223	359	59	actions	action	NOUN
easat-9223	359	60	.	.	PUNCT
easat-9223	360	1	4.12.5	4.12.5	NUM
easat-9223	360	2	.	.	PUNCT
easat-9223	361	1	the	the	DET
easat-9223	361	2	influence	influence	NOUN
easat-9223	361	3	of	of	ADP
easat-9223	361	4	financial	financial	ADJ
easat-9223	361	5	attitude	attitude	NOUN
easat-9223	361	6	on	on	ADP
easat-9223	361	7	financial	financial	ADJ
easat-9223	361	8	management	management	NOUN
easat-9223	361	9	behavior	behavior	NOUN
easat-9223	361	10	with	with	ADP
easat-9223	361	11	locus	locus	NOUN
easat-9223	361	12	of	of	ADP
easat-9223	361	13	control	control	NOUN
easat-9223	361	14	as	as	ADP
easat-9223	361	15	a	a	DET
easat-9223	361	16	moderating	moderate	VERB
easat-9223	361	17	variable	variable	NOUN
easat-9223	361	18	(	(	PUNCT
easat-9223	361	19	h5	h5	PROPN
easat-9223	361	20	)	)	PUNCT
easat-9223	361	21	based	base	VERB
easat-9223	361	22	on	on	ADP
easat-9223	361	23	the	the	DET
easat-9223	361	24	findings	finding	NOUN
easat-9223	361	25	,	,	PUNCT
easat-9223	361	26	a	a	DET
easat-9223	361	27	significant	significant	ADJ
easat-9223	361	28	relationship	relationship	NOUN
easat-9223	361	29	emerges	emerge	VERB
easat-9223	361	30	between	between	ADP
easat-9223	361	31	financial	financial	ADJ
easat-9223	361	32	attitude	attitude	NOUN
easat-9223	361	33	and	and	CCONJ
easat-9223	361	34	locus	locus	NOUN
easat-9223	361	35	of	of	ADP
easat-9223	361	36	control	control	NOUN
easat-9223	361	37	,	,	PUNCT
easat-9223	361	38	which	which	PRON
easat-9223	361	39	appears	appear	VERB
easat-9223	361	40	to	to	PART
easat-9223	361	41	impede	impede	VERB
easat-9223	361	42	effective	effective	ADJ
easat-9223	361	43	financial	financial	ADJ
easat-9223	361	44	management	management	NOUN
easat-9223	361	45	behavior	behavior	NOUN
easat-9223	361	46	.	.	PUNCT
easat-9223	362	1	previous	previous	ADJ
easat-9223	362	2	studies	study	NOUN
easat-9223	362	3	have	have	AUX
easat-9223	362	4	established	establish	VERB
easat-9223	362	5	a	a	DET
easat-9223	362	6	link	link	NOUN
easat-9223	362	7	between	between	ADP
easat-9223	362	8	financial	financial	ADJ
easat-9223	362	9	attitude	attitude	NOUN
easat-9223	362	10	and	and	CCONJ
easat-9223	362	11	financial	financial	ADJ
easat-9223	362	12	management	management	NOUN
easat-9223	362	13	behavior	behavior	NOUN
easat-9223	362	14	;	;	PUNCT
easat-9223	362	15	nevertheless	nevertheless	ADV
easat-9223	362	16	,	,	PUNCT
easat-9223	362	17	this	this	DET
easat-9223	362	18	recent	recent	ADJ
easat-9223	362	19	evidence	evidence	NOUN
easat-9223	362	20	challenges	challenge	VERB
easat-9223	362	21	that	that	PRON
easat-9223	362	22	view	view	VERB
easat-9223	362	23	[	[	X
easat-9223	362	24	48	48	NUM
easat-9223	362	25	]	]	PUNCT
easat-9223	362	26	.	.	PUNCT
easat-9223	363	1	interestingly	interestingly	ADV
easat-9223	363	2	,	,	PUNCT
easat-9223	363	3	as	as	SCONJ
easat-9223	363	4	an	an	DET
easat-9223	363	5	individual	individual	NOUN
easat-9223	363	6	's	's	PART
easat-9223	363	7	locus	locus	NOUN
easat-9223	363	8	of	of	ADP
easat-9223	363	9	control	control	NOUN
easat-9223	363	10	strengthens	strengthen	VERB
easat-9223	363	11	—	—	PUNCT
easat-9223	363	12	particularly	particularly	ADV
easat-9223	363	13	when	when	SCONJ
easat-9223	363	14	it	it	PRON
easat-9223	363	15	is	be	AUX
easat-9223	363	16	internally	internally	ADV
easat-9223	363	17	oriented	orient	VERB
easat-9223	363	18	—	—	PUNCT
easat-9223	363	19	the	the	DET
easat-9223	363	20	positive	positive	ADJ
easat-9223	363	21	connection	connection	NOUN
easat-9223	363	22	between	between	ADP
easat-9223	363	23	financial	financial	ADJ
easat-9223	363	24	attitude	attitude	NOUN
easat-9223	363	25	and	and	CCONJ
easat-9223	363	26	financial	financial	ADJ
easat-9223	363	27	behavior	behavior	NOUN
easat-9223	363	28	seems	seem	VERB
easat-9223	363	29	to	to	PART
easat-9223	363	30	weaken	weaken	VERB
easat-9223	363	31	.	.	PUNCT
easat-9223	364	1	the	the	DET
easat-9223	364	2	theory	theory	NOUN
easat-9223	364	3	of	of	ADP
easat-9223	364	4	planned	plan	VERB
easat-9223	364	5	behavior	behavior	NOUN
easat-9223	364	6	helps	help	VERB
easat-9223	364	7	explain	explain	VERB
easat-9223	364	8	this	this	DET
easat-9223	364	9	outcome	outcome	NOUN
easat-9223	364	10	,	,	PUNCT
easat-9223	364	11	suggesting	suggest	VERB
easat-9223	364	12	that	that	SCONJ
easat-9223	364	13	behavioral	behavioral	ADJ
easat-9223	364	14	intentions	intention	NOUN
easat-9223	364	15	are	be	AUX
easat-9223	364	16	formed	form	VERB
easat-9223	364	17	through	through	ADP
easat-9223	364	18	attitudes	attitude	NOUN
easat-9223	364	19	toward	toward	ADP
easat-9223	364	20	behavior	behavior	NOUN
easat-9223	364	21	,	,	PUNCT
easat-9223	364	22	subjective	subjective	ADJ
easat-9223	364	23	norms	norm	NOUN
easat-9223	364	24	,	,	PUNCT
easat-9223	364	25	and	and	CCONJ
easat-9223	364	26	perceived	perceive	VERB
easat-9223	364	27	behavioral	behavioral	ADJ
easat-9223	364	28	control	control	NOUN
easat-9223	364	29	,	,	PUNCT
easat-9223	364	30	all	all	PRON
easat-9223	364	31	of	of	ADP
easat-9223	364	32	which	which	PRON
easat-9223	364	33	eventually	eventually	ADV
easat-9223	364	34	lead	lead	VERB
easat-9223	364	35	to	to	ADP
easat-9223	364	36	actual	actual	ADJ
easat-9223	364	37	behavior	behavior	NOUN
easat-9223	364	38	[	[	X
easat-9223	364	39	22	22	NUM
easat-9223	364	40	]	]	PUNCT
easat-9223	364	41	.	.	PUNCT
easat-9223	365	1	the	the	DET
easat-9223	365	2	observed	observe	VERB
easat-9223	365	3	strong	strong	ADJ
easat-9223	365	4	association	association	NOUN
easat-9223	365	5	between	between	ADP
easat-9223	365	6	locus	locus	NOUN
easat-9223	365	7	of	of	ADP
easat-9223	365	8	control	control	NOUN
easat-9223	365	9	and	and	CCONJ
easat-9223	365	10	perceived	perceive	VERB
easat-9223	365	11	behavioral	behavioral	ADJ
easat-9223	365	12	control	control	NOUN
easat-9223	365	13	indicates	indicate	VERB
easat-9223	365	14	that	that	SCONJ
easat-9223	365	15	individuals	individual	NOUN
easat-9223	365	16	with	with	ADP
easat-9223	365	17	an	an	DET
easat-9223	365	18	internal	internal	ADJ
easat-9223	365	19	locus	locus	NOUN
easat-9223	365	20	of	of	ADP
easat-9223	365	21	control	control	NOUN
easat-9223	365	22	generally	generally	ADV
easat-9223	365	23	believe	believe	VERB
easat-9223	365	24	they	they	PRON
easat-9223	365	25	hold	hold	VERB
easat-9223	365	26	full	full	ADJ
easat-9223	365	27	responsibility	responsibility	NOUN
easat-9223	365	28	over	over	ADP
easat-9223	365	29	their	their	PRON
easat-9223	365	30	financial	financial	ADJ
easat-9223	365	31	decisions	decision	NOUN
easat-9223	365	32	.	.	PUNCT
easat-9223	366	1	as	as	ADP
easat-9223	366	2	a	a	DET
easat-9223	366	3	result	result	NOUN
easat-9223	366	4	,	,	PUNCT
easat-9223	366	5	even	even	ADV
easat-9223	366	6	if	if	SCONJ
easat-9223	366	7	someone	someone	PRON
easat-9223	366	8	possesses	possess	VERB
easat-9223	366	9	a	a	DET
easat-9223	366	10	positive	positive	ADJ
easat-9223	366	11	financial	financial	ADJ
easat-9223	366	12	attitude	attitude	NOUN
easat-9223	366	13	,	,	PUNCT
easat-9223	366	14	they	they	PRON
easat-9223	366	15	may	may	AUX
easat-9223	366	16	rely	rely	VERB
easat-9223	366	17	more	more	ADV
easat-9223	366	18	on	on	ADP
easat-9223	366	19	personal	personal	ADJ
easat-9223	366	20	judgment	judgment	NOUN
easat-9223	366	21	than	than	ADP
easat-9223	366	22	on	on	ADP
easat-9223	366	23	their	their	PRON
easat-9223	366	24	attitude	attitude	NOUN
easat-9223	366	25	when	when	SCONJ
easat-9223	366	26	making	make	VERB
easat-9223	366	27	financial	financial	ADJ
easat-9223	366	28	choices	choice	NOUN
easat-9223	366	29	.	.	PUNCT
easat-9223	367	1	therefore	therefore	ADV
easat-9223	367	2	,	,	PUNCT
easat-9223	367	3	a	a	DET
easat-9223	367	4	positive	positive	ADJ
easat-9223	367	5	financial	financial	ADJ
easat-9223	367	6	attitude	attitude	NOUN
easat-9223	367	7	does	do	AUX
easat-9223	367	8	not	not	PART
easat-9223	367	9	always	always	ADV
easat-9223	367	10	equate	equate	VERB
easat-9223	367	11	to	to	PART
easat-9223	367	12	sound	sound	VERB
easat-9223	367	13	financial	financial	ADJ
easat-9223	367	14	practices	practice	NOUN
easat-9223	367	15	,	,	PUNCT
easat-9223	367	16	especially	especially	ADV
easat-9223	367	17	when	when	SCONJ
easat-9223	367	18	selfconfidence	selfconfidence	NOUN
easat-9223	367	19	or	or	CCONJ
easat-9223	367	20	self	self	NOUN
easat-9223	367	21	-	-	PUNCT
easat-9223	367	22	influence	influence	NOUN
easat-9223	367	23	becomes	become	VERB
easat-9223	367	24	overly	overly	ADV
easat-9223	367	25	dominant	dominant	ADJ
easat-9223	367	26	.	.	PUNCT
easat-9223	368	1	this	this	PRON
easat-9223	368	2	implies	imply	VERB
easat-9223	368	3	that	that	SCONJ
easat-9223	368	4	locus	locus	NOUN
easat-9223	368	5	of	of	ADP
easat-9223	368	6	control	control	NOUN
easat-9223	368	7	does	do	AUX
easat-9223	368	8	not	not	PART
easat-9223	368	9	109	109	NUM
easat-9223	368	10	edelweiss	edelweiss	PROPN
easat-9223	368	11	applied	apply	VERB
easat-9223	368	12	science	science	NOUN
easat-9223	368	13	and	and	CCONJ
easat-9223	368	14	technology	technology	NOUN
easat-9223	368	15	issn	issn	PROPN
easat-9223	368	16	:	:	PUNCT
easat-9223	368	17	2576	2576	NUM
easat-9223	368	18	-	-	SYM
easat-9223	368	19	8484	8484	NUM
easat-9223	368	20	vol	vol	NOUN
easat-9223	368	21	.	.	PROPN
easat-9223	369	1	9	9	NUM
easat-9223	369	2	,	,	PUNCT
easat-9223	369	3	no	no	INTJ
easat-9223	369	4	.	.	NOUN
easat-9223	369	5	8	8	NUM
easat-9223	369	6	:	:	SYM
easat-9223	369	7	95	95	NUM
easat-9223	369	8	-	-	SYM
easat-9223	369	9	112	112	NUM
easat-9223	369	10	,	,	PUNCT
easat-9223	369	11	2025	2025	NUM
easat-9223	369	12	doi	doi	NOUN
easat-9223	369	13	:	:	PUNCT
easat-9223	369	14	10.55214/2576	10.55214/2576	NUM
easat-9223	369	15	-	-	PUNCT
easat-9223	369	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	369	17	©	©	PROPN
easat-9223	369	18	2025	2025	NUM
easat-9223	369	19	by	by	ADP
easat-9223	369	20	the	the	DET
easat-9223	369	21	authors	author	NOUN
easat-9223	369	22	;	;	PUNCT
easat-9223	369	23	licensee	licensee	PROPN
easat-9223	369	24	learning	learning	NOUN
easat-9223	369	25	gate	gate	NOUN
easat-9223	369	26	consistently	consistently	ADV
easat-9223	369	27	enhance	enhance	VERB
easat-9223	369	28	the	the	DET
easat-9223	369	29	relationship	relationship	NOUN
easat-9223	369	30	between	between	ADP
easat-9223	369	31	variables	variable	NOUN
easat-9223	369	32	;	;	PUNCT
easat-9223	369	33	in	in	ADP
easat-9223	369	34	some	some	DET
easat-9223	369	35	situations	situation	NOUN
easat-9223	369	36	,	,	PUNCT
easat-9223	369	37	it	it	PRON
easat-9223	369	38	may	may	AUX
easat-9223	369	39	even	even	ADV
easat-9223	369	40	reduce	reduce	VERB
easat-9223	369	41	the	the	DET
easat-9223	369	42	association	association	NOUN
easat-9223	369	43	between	between	ADP
easat-9223	369	44	financial	financial	ADJ
easat-9223	369	45	attitude	attitude	NOUN
easat-9223	369	46	and	and	CCONJ
easat-9223	369	47	financial	financial	ADJ
easat-9223	369	48	management	management	NOUN
easat-9223	369	49	4.12.6	4.12.6	NUM
easat-9223	369	50	.	.	PUNCT
easat-9223	370	1	the	the	DET
easat-9223	370	2	influence	influence	NOUN
easat-9223	370	3	of	of	ADP
easat-9223	370	4	lifestyle	lifestyle	NOUN
easat-9223	370	5	on	on	ADP
easat-9223	370	6	financial	financial	ADJ
easat-9223	370	7	management	management	NOUN
easat-9223	370	8	behavior	behavior	NOUN
easat-9223	370	9	with	with	ADP
easat-9223	370	10	locus	locus	NOUN
easat-9223	370	11	of	of	ADP
easat-9223	370	12	control	control	NOUN
easat-9223	370	13	as	as	ADP
easat-9223	370	14	a	a	DET
easat-9223	370	15	moderating	moderate	VERB
easat-9223	370	16	variable	variable	NOUN
easat-9223	370	17	(	(	PUNCT
easat-9223	370	18	h6	h6	PROPN
easat-9223	370	19	)	)	PUNCT
easat-9223	370	20	the	the	DET
easat-9223	370	21	connection	connection	NOUN
easat-9223	370	22	between	between	ADP
easat-9223	370	23	lifestyle	lifestyle	NOUN
easat-9223	370	24	decisions	decision	NOUN
easat-9223	370	25	and	and	CCONJ
easat-9223	370	26	financial	financial	ADJ
easat-9223	370	27	management	management	NOUN
easat-9223	370	28	behaviors	behavior	NOUN
easat-9223	370	29	has	have	AUX
easat-9223	370	30	shown	show	VERB
easat-9223	370	31	to	to	PART
easat-9223	370	32	generate	generate	VERB
easat-9223	370	33	negative	negative	ADJ
easat-9223	370	34	consequences	consequence	NOUN
easat-9223	370	35	,	,	PUNCT
easat-9223	370	36	particularly	particularly	ADV
easat-9223	370	37	when	when	SCONJ
easat-9223	370	38	influenced	influence	VERB
easat-9223	370	39	by	by	ADP
easat-9223	370	40	an	an	DET
easat-9223	370	41	individual	individual	NOUN
easat-9223	370	42	’s	’s	PART
easat-9223	370	43	locus	locus	NOUN
easat-9223	370	44	of	of	ADP
easat-9223	370	45	control	control	NOUN
easat-9223	370	46	.	.	PUNCT
easat-9223	371	1	this	this	DET
easat-9223	371	2	finding	finding	NOUN
easat-9223	371	3	contrasts	contrast	VERB
easat-9223	371	4	with	with	ADP
easat-9223	371	5	earlier	early	ADJ
easat-9223	371	6	research	research	NOUN
easat-9223	371	7	that	that	PRON
easat-9223	371	8	indicated	indicate	VERB
easat-9223	371	9	locus	locus	NOUN
easat-9223	371	10	of	of	ADP
easat-9223	371	11	control	control	NOUN
easat-9223	371	12	amplifies	amplify	VERB
easat-9223	371	13	the	the	DET
easat-9223	371	14	positive	positive	ADJ
easat-9223	371	15	association	association	NOUN
easat-9223	371	16	between	between	ADP
easat-9223	371	17	financial	financial	ADJ
easat-9223	371	18	management	management	NOUN
easat-9223	371	19	behaviors	behavior	NOUN
easat-9223	371	20	and	and	CCONJ
easat-9223	371	21	a	a	DET
easat-9223	371	22	healthy	healthy	ADJ
easat-9223	371	23	financial	financial	ADJ
easat-9223	371	24	lifestyle	lifestyle	NOUN
easat-9223	372	1	[	[	X
easat-9223	372	2	50	50	NUM
easat-9223	372	3	]	]	PUNCT
easat-9223	372	4	.	.	PUNCT
easat-9223	373	1	prior	prior	ADJ
easat-9223	373	2	studies	study	NOUN
easat-9223	373	3	have	have	AUX
easat-9223	373	4	highlighted	highlight	VERB
easat-9223	373	5	that	that	SCONJ
easat-9223	373	6	individuals	individual	NOUN
easat-9223	373	7	with	with	ADP
easat-9223	373	8	a	a	DET
easat-9223	373	9	strong	strong	ADJ
easat-9223	373	10	locus	locus	NOUN
easat-9223	373	11	of	of	ADP
easat-9223	373	12	control	control	NOUN
easat-9223	373	13	are	be	AUX
easat-9223	373	14	typically	typically	ADV
easat-9223	373	15	better	well	ADJ
easat-9223	373	16	at	at	ADP
easat-9223	373	17	controlling	control	VERB
easat-9223	373	18	their	their	PRON
easat-9223	373	19	expenditures	expenditure	NOUN
easat-9223	373	20	and	and	CCONJ
easat-9223	373	21	making	make	VERB
easat-9223	373	22	calculated	calculate	VERB
easat-9223	373	23	financial	financial	ADJ
easat-9223	373	24	choices	choice	NOUN
easat-9223	373	25	.	.	PUNCT
easat-9223	374	1	however	however	ADV
easat-9223	374	2	,	,	PUNCT
easat-9223	374	3	this	this	DET
easat-9223	374	4	research	research	NOUN
easat-9223	374	5	suggests	suggest	VERB
easat-9223	374	6	that	that	SCONJ
easat-9223	374	7	the	the	DET
easat-9223	374	8	previously	previously	ADV
easat-9223	374	9	assumed	assume	VERB
easat-9223	374	10	link	link	NOUN
easat-9223	374	11	becomes	become	VERB
easat-9223	374	12	weaker	weak	ADJ
easat-9223	374	13	when	when	SCONJ
easat-9223	374	14	lifestyle	lifestyle	NOUN
easat-9223	374	15	is	be	AUX
easat-9223	374	16	aligned	align	VERB
easat-9223	374	17	with	with	ADP
easat-9223	374	18	a	a	DET
easat-9223	374	19	high	high	ADJ
easat-9223	374	20	locus	locus	NOUN
easat-9223	374	21	of	of	ADP
easat-9223	374	22	control	control	NOUN
easat-9223	374	23	,	,	PUNCT
easat-9223	374	24	especially	especially	ADV
easat-9223	374	25	internal	internal	ADJ
easat-9223	374	26	locus	locus	NOUN
easat-9223	374	27	of	of	ADP
easat-9223	374	28	control	control	NOUN
easat-9223	374	29	.	.	PUNCT
easat-9223	375	1	to	to	PART
easat-9223	375	2	interpret	interpret	VERB
easat-9223	375	3	this	this	PRON
easat-9223	375	4	,	,	PUNCT
easat-9223	375	5	reference	reference	NOUN
easat-9223	375	6	can	can	AUX
easat-9223	375	7	be	be	AUX
easat-9223	375	8	made	make	VERB
easat-9223	375	9	to	to	ADP
easat-9223	375	10	the	the	DET
easat-9223	375	11	theory	theory	NOUN
easat-9223	375	12	of	of	ADP
easat-9223	375	13	planned	plan	VERB
easat-9223	375	14	behavior	behavior	NOUN
easat-9223	375	15	[	[	X
easat-9223	375	16	22	22	NUM
easat-9223	375	17	]	]	PUNCT
easat-9223	375	18	which	which	PRON
easat-9223	375	19	posits	posit	VERB
easat-9223	375	20	that	that	SCONJ
easat-9223	375	21	an	an	DET
easat-9223	375	22	individual	individual	NOUN
easat-9223	375	23	's	's	PART
easat-9223	375	24	locus	locus	NOUN
easat-9223	375	25	of	of	ADP
easat-9223	375	26	control	control	NOUN
easat-9223	375	27	shapes	shape	NOUN
easat-9223	375	28	how	how	SCONJ
easat-9223	375	29	they	they	PRON
easat-9223	375	30	perceive	perceive	VERB
easat-9223	375	31	their	their	PRON
easat-9223	375	32	ability	ability	NOUN
easat-9223	375	33	to	to	PART
easat-9223	375	34	regulate	regulate	VERB
easat-9223	375	35	behavior	behavior	NOUN
easat-9223	375	36	.	.	PUNCT
easat-9223	376	1	individuals	individual	NOUN
easat-9223	376	2	with	with	ADP
easat-9223	376	3	strong	strong	ADJ
easat-9223	376	4	internal	internal	ADJ
easat-9223	376	5	control	control	NOUN
easat-9223	376	6	often	often	ADV
easat-9223	376	7	base	base	VERB
easat-9223	376	8	their	their	PRON
easat-9223	376	9	decisions	decision	NOUN
easat-9223	376	10	on	on	ADP
easat-9223	376	11	internal	internal	ADJ
easat-9223	376	12	evaluations	evaluation	NOUN
easat-9223	376	13	rather	rather	ADV
easat-9223	376	14	than	than	ADP
easat-9223	376	15	external	external	ADJ
easat-9223	376	16	societal	societal	ADJ
easat-9223	376	17	or	or	CCONJ
easat-9223	376	18	environmental	environmental	ADJ
easat-9223	376	19	pressures	pressure	NOUN
easat-9223	376	20	.	.	PUNCT
easat-9223	377	1	consequently	consequently	ADV
easat-9223	377	2	,	,	PUNCT
easat-9223	377	3	even	even	ADV
easat-9223	377	4	if	if	SCONJ
easat-9223	377	5	external	external	ADJ
easat-9223	377	6	conditions	condition	NOUN
easat-9223	377	7	improve	improve	VERB
easat-9223	377	8	,	,	PUNCT
easat-9223	377	9	their	their	PRON
easat-9223	377	10	lifestyle	lifestyle	NOUN
easat-9223	377	11	may	may	AUX
easat-9223	377	12	still	still	ADV
easat-9223	377	13	appear	appear	VERB
easat-9223	377	14	consistent	consistent	ADJ
easat-9223	377	15	,	,	PUNCT
easat-9223	377	16	but	but	CCONJ
easat-9223	377	17	the	the	DET
easat-9223	377	18	financial	financial	ADJ
easat-9223	377	19	decisions	decision	NOUN
easat-9223	377	20	made	make	VERB
easat-9223	377	21	may	may	AUX
easat-9223	377	22	not	not	PART
easat-9223	377	23	always	always	ADV
easat-9223	377	24	reflect	reflect	VERB
easat-9223	377	25	effective	effective	ADJ
easat-9223	377	26	financial	financial	ADJ
easat-9223	377	27	management	management	NOUN
easat-9223	377	28	.	.	PUNCT
easat-9223	378	1	even	even	ADV
easat-9223	378	2	a	a	DET
easat-9223	378	3	disciplined	discipline	VERB
easat-9223	378	4	lifestyle	lifestyle	NOUN
easat-9223	378	5	does	do	AUX
easat-9223	378	6	not	not	PART
easat-9223	378	7	guarantee	guarantee	VERB
easat-9223	378	8	optimal	optimal	ADJ
easat-9223	378	9	financial	financial	ADJ
easat-9223	378	10	behavior	behavior	NOUN
easat-9223	378	11	if	if	SCONJ
easat-9223	378	12	it	it	PRON
easat-9223	378	13	is	be	AUX
easat-9223	378	14	not	not	PART
easat-9223	378	15	supported	support	VERB
easat-9223	378	16	by	by	ADP
easat-9223	378	17	careful	careful	ADJ
easat-9223	378	18	internal	internal	ADJ
easat-9223	378	19	assessments	assessment	NOUN
easat-9223	378	20	.	.	PUNCT
easat-9223	379	1	thus	thus	ADV
easat-9223	379	2	,	,	PUNCT
easat-9223	379	3	locus	locus	NOUN
easat-9223	379	4	of	of	ADP
easat-9223	379	5	control	control	NOUN
easat-9223	379	6	may	may	AUX
easat-9223	379	7	not	not	PART
easat-9223	379	8	always	always	ADV
easat-9223	379	9	strengthen	strengthen	VERB
easat-9223	379	10	relationships	relationship	NOUN
easat-9223	379	11	between	between	ADP
easat-9223	379	12	lifestyle	lifestyle	NOUN
easat-9223	379	13	and	and	CCONJ
easat-9223	379	14	financial	financial	ADJ
easat-9223	379	15	management	management	NOUN
easat-9223	379	16	behavior	behavior	NOUN
easat-9223	379	17	and	and	CCONJ
easat-9223	379	18	,	,	PUNCT
easat-9223	379	19	in	in	ADP
easat-9223	379	20	this	this	DET
easat-9223	379	21	scenario	scenario	NOUN
easat-9223	379	22	,	,	PUNCT
easat-9223	379	23	could	could	AUX
easat-9223	379	24	moderate	moderate	VERB
easat-9223	379	25	or	or	CCONJ
easat-9223	379	26	alter	alter	VERB
easat-9223	379	27	the	the	DET
easat-9223	379	28	relationship	relationship	NOUN
easat-9223	379	29	instead	instead	ADV
easat-9223	379	30	.	.	PUNCT
easat-9223	380	1	5	5	X
easat-9223	380	2	.	.	X
easat-9223	380	3	conclusion	conclusion	NOUN
easat-9223	380	4	this	this	DET
easat-9223	380	5	study	study	NOUN
easat-9223	380	6	aims	aim	VERB
easat-9223	380	7	to	to	PART
easat-9223	380	8	examine	examine	VERB
easat-9223	380	9	the	the	DET
easat-9223	380	10	extent	extent	NOUN
easat-9223	380	11	to	to	PART
easat-9223	380	12	which	which	PRON
easat-9223	380	13	lifestyle	lifestyle	NOUN
easat-9223	380	14	,	,	PUNCT
easat-9223	380	15	financial	financial	ADJ
easat-9223	380	16	literacy	literacy	NOUN
easat-9223	380	17	,	,	PUNCT
easat-9223	380	18	and	and	CCONJ
easat-9223	380	19	financial	financial	ADJ
easat-9223	380	20	attitudes	attitude	NOUN
easat-9223	380	21	affect	affect	VERB
easat-9223	380	22	financial	financial	ADJ
easat-9223	380	23	management	management	NOUN
easat-9223	380	24	behavior	behavior	NOUN
easat-9223	380	25	,	,	PUNCT
easat-9223	380	26	especially	especially	ADV
easat-9223	380	27	concerning	concern	VERB
easat-9223	380	28	the	the	DET
easat-9223	380	29	utilization	utilization	NOUN
easat-9223	380	30	of	of	ADP
easat-9223	380	31	paylater	paylater	NOUN
easat-9223	380	32	services	service	NOUN
easat-9223	380	33	by	by	ADP
easat-9223	380	34	generation	generation	NOUN
easat-9223	380	35	z	z	PROPN
easat-9223	380	36	in	in	ADP
easat-9223	380	37	indonesia	indonesia	PROPN
easat-9223	380	38	.	.	PUNCT
easat-9223	381	1	additionally	additionally	ADV
easat-9223	381	2	,	,	PUNCT
easat-9223	381	3	this	this	DET
easat-9223	381	4	research	research	NOUN
easat-9223	381	5	seeks	seek	VERB
easat-9223	381	6	to	to	PART
easat-9223	381	7	examine	examine	VERB
easat-9223	381	8	the	the	DET
easat-9223	381	9	moderating	moderate	VERB
easat-9223	381	10	effect	effect	NOUN
easat-9223	381	11	of	of	ADP
easat-9223	381	12	locus	locus	NOUN
easat-9223	381	13	of	of	ADP
easat-9223	381	14	control	control	NOUN
easat-9223	381	15	within	within	ADP
easat-9223	381	16	this	this	DET
easat-9223	381	17	context	context	NOUN
easat-9223	381	18	.	.	PUNCT
easat-9223	382	1	the	the	DET
easat-9223	382	2	results	result	NOUN
easat-9223	382	3	indicate	indicate	VERB
easat-9223	382	4	that	that	SCONJ
easat-9223	382	5	lifestyle	lifestyle	NOUN
easat-9223	382	6	,	,	PUNCT
easat-9223	382	7	financial	financial	ADJ
easat-9223	382	8	literacy	literacy	NOUN
easat-9223	382	9	,	,	PUNCT
easat-9223	382	10	and	and	CCONJ
easat-9223	382	11	financial	financial	ADJ
easat-9223	382	12	attitudes	attitude	NOUN
easat-9223	382	13	all	all	PRON
easat-9223	382	14	contribute	contribute	VERB
easat-9223	382	15	significantly	significantly	ADV
easat-9223	382	16	and	and	CCONJ
easat-9223	382	17	positively	positively	ADV
easat-9223	382	18	to	to	ADP
easat-9223	382	19	financial	financial	ADJ
easat-9223	382	20	management	management	NOUN
easat-9223	382	21	behavior	behavior	NOUN
easat-9223	382	22	.	.	PUNCT
easat-9223	383	1	these	these	DET
easat-9223	383	2	results	result	NOUN
easat-9223	383	3	imply	imply	VERB
easat-9223	383	4	that	that	PRON
easat-9223	383	5	improved	improve	VERB
easat-9223	383	6	financial	financial	ADJ
easat-9223	383	7	management	management	NOUN
easat-9223	383	8	behavior	behavior	NOUN
easat-9223	383	9	,	,	PUNCT
easat-9223	383	10	particularly	particularly	ADV
easat-9223	383	11	in	in	ADP
easat-9223	383	12	relation	relation	NOUN
easat-9223	383	13	to	to	ADP
easat-9223	383	14	paylater	paylater	NOUN
easat-9223	383	15	services	service	NOUN
easat-9223	383	16	,	,	PUNCT
easat-9223	383	17	is	be	AUX
easat-9223	383	18	associated	associate	VERB
easat-9223	383	19	with	with	ADP
easat-9223	383	20	elevated	elevated	ADJ
easat-9223	383	21	levels	level	NOUN
easat-9223	383	22	of	of	ADP
easat-9223	383	23	financial	financial	ADJ
easat-9223	383	24	literacy	literacy	NOUN
easat-9223	383	25	,	,	PUNCT
easat-9223	383	26	more	more	ADV
easat-9223	383	27	favorable	favorable	ADJ
easat-9223	383	28	financial	financial	ADJ
easat-9223	383	29	attitudes	attitude	NOUN
easat-9223	383	30	,	,	PUNCT
easat-9223	383	31	and	and	CCONJ
easat-9223	383	32	efficient	efficient	ADJ
easat-9223	383	33	lifestyle	lifestyle	NOUN
easat-9223	383	34	management	management	NOUN
easat-9223	383	35	.	.	PUNCT
easat-9223	384	1	however	however	ADV
easat-9223	384	2	,	,	PUNCT
easat-9223	384	3	its	its	PRON
easat-9223	384	4	importance	importance	NOUN
easat-9223	384	5	diminishes	diminish	VERB
easat-9223	384	6	when	when	SCONJ
easat-9223	384	7	the	the	DET
easat-9223	384	8	locus	locus	NOUN
easat-9223	384	9	of	of	ADP
easat-9223	384	10	control	control	NOUN
easat-9223	384	11	affects	affect	VERB
easat-9223	384	12	the	the	DET
easat-9223	384	13	connection	connection	NOUN
easat-9223	384	14	between	between	ADP
easat-9223	384	15	financial	financial	ADJ
easat-9223	384	16	literacy	literacy	NOUN
easat-9223	384	17	and	and	CCONJ
easat-9223	384	18	financial	financial	ADJ
easat-9223	384	19	management	management	NOUN
easat-9223	384	20	behavior	behavior	NOUN
easat-9223	384	21	.	.	PUNCT
easat-9223	385	1	this	this	DET
easat-9223	385	2	observation	observation	NOUN
easat-9223	385	3	suggests	suggest	VERB
easat-9223	385	4	that	that	SCONJ
easat-9223	385	5	the	the	DET
easat-9223	385	6	link	link	NOUN
easat-9223	385	7	between	between	ADP
easat-9223	385	8	financial	financial	ADJ
easat-9223	385	9	literacy	literacy	NOUN
easat-9223	385	10	and	and	CCONJ
easat-9223	385	11	financial	financial	ADJ
easat-9223	385	12	behavior	behavior	NOUN
easat-9223	385	13	is	be	AUX
easat-9223	385	14	not	not	PART
easat-9223	385	15	enhanced	enhance	VERB
easat-9223	385	16	by	by	ADP
easat-9223	385	17	individuals	individual	NOUN
easat-9223	385	18	'	'	PART
easat-9223	385	19	perception	perception	NOUN
easat-9223	385	20	of	of	ADP
easat-9223	385	21	control	control	NOUN
easat-9223	385	22	over	over	ADP
easat-9223	385	23	their	their	PRON
easat-9223	385	24	lives	life	NOUN
easat-9223	385	25	.	.	PUNCT
easat-9223	386	1	on	on	ADP
easat-9223	386	2	the	the	DET
easat-9223	386	3	contrary	contrary	NOUN
easat-9223	386	4	,	,	PUNCT
easat-9223	386	5	locus	locus	NOUN
easat-9223	386	6	of	of	ADP
easat-9223	386	7	control	control	NOUN
easat-9223	386	8	exerts	exert	VERB
easat-9223	386	9	a	a	DET
easat-9223	386	10	diminishing	diminishing	NOUN
easat-9223	386	11	influence	influence	NOUN
easat-9223	386	12	on	on	ADP
easat-9223	386	13	this	this	DET
easat-9223	386	14	connection	connection	NOUN
easat-9223	386	15	and	and	CCONJ
easat-9223	386	16	serves	serve	VERB
easat-9223	386	17	a	a	DET
easat-9223	386	18	significant	significant	ADJ
easat-9223	386	19	moderating	moderating	NOUN
easat-9223	386	20	function	function	NOUN
easat-9223	386	21	in	in	ADP
easat-9223	386	22	the	the	DET
easat-9223	386	23	relationship	relationship	NOUN
easat-9223	386	24	between	between	ADP
easat-9223	386	25	financial	financial	ADJ
easat-9223	386	26	attitudes	attitude	NOUN
easat-9223	386	27	and	and	CCONJ
easat-9223	386	28	lifestyle	lifestyle	NOUN
easat-9223	386	29	concerning	concern	VERB
easat-9223	386	30	financial	financial	ADJ
easat-9223	386	31	management	management	NOUN
easat-9223	386	32	behavior	behavior	NOUN
easat-9223	386	33	.	.	PUNCT
easat-9223	387	1	this	this	PRON
easat-9223	387	2	implies	imply	VERB
easat-9223	387	3	that	that	SCONJ
easat-9223	387	4	the	the	DET
easat-9223	387	5	positive	positive	ADJ
easat-9223	387	6	impacts	impact	NOUN
easat-9223	387	7	of	of	ADP
easat-9223	387	8	financial	financial	ADJ
easat-9223	387	9	attitudes	attitude	NOUN
easat-9223	387	10	and	and	CCONJ
easat-9223	387	11	lifestyle	lifestyle	NOUN
easat-9223	387	12	on	on	ADP
easat-9223	387	13	financial	financial	ADJ
easat-9223	387	14	management	management	NOUN
easat-9223	387	15	behavior	behavior	NOUN
easat-9223	387	16	may	may	AUX
easat-9223	387	17	be	be	AUX
easat-9223	387	18	lessened	lessen	VERB
easat-9223	387	19	when	when	SCONJ
easat-9223	387	20	locus	locus	NOUN
easat-9223	387	21	of	of	ADP
easat-9223	387	22	control	control	NOUN
easat-9223	387	23	acts	act	VERB
easat-9223	387	24	as	as	ADP
easat-9223	387	25	a	a	DET
easat-9223	387	26	moderating	moderate	VERB
easat-9223	387	27	variable	variable	NOUN
easat-9223	387	28	.	.	PUNCT
easat-9223	388	1	it	it	PRON
easat-9223	388	2	suggests	suggest	VERB
easat-9223	388	3	that	that	SCONJ
easat-9223	388	4	an	an	DET
easat-9223	388	5	excessively	excessively	ADV
easat-9223	388	6	strong	strong	ADJ
easat-9223	388	7	internal	internal	ADJ
easat-9223	388	8	locus	locus	NOUN
easat-9223	388	9	of	of	ADP
easat-9223	388	10	control	control	NOUN
easat-9223	388	11	,	,	PUNCT
easat-9223	388	12	or	or	CCONJ
easat-9223	388	13	the	the	DET
easat-9223	388	14	way	way	NOUN
easat-9223	388	15	individuals	individual	NOUN
easat-9223	388	16	perceive	perceive	VERB
easat-9223	388	17	their	their	PRON
easat-9223	388	18	control	control	NOUN
easat-9223	388	19	over	over	ADP
easat-9223	388	20	financial	financial	ADJ
easat-9223	388	21	matters	matter	NOUN
easat-9223	388	22	,	,	PUNCT
easat-9223	388	23	could	could	AUX
easat-9223	388	24	adversely	adversely	ADV
easat-9223	388	25	affect	affect	VERB
easat-9223	388	26	the	the	DET
easat-9223	388	27	efficacy	efficacy	NOUN
easat-9223	388	28	of	of	ADP
easat-9223	388	29	attitudes	attitude	NOUN
easat-9223	388	30	and	and	CCONJ
easat-9223	388	31	lifestyles	lifestyle	NOUN
easat-9223	388	32	in	in	ADP
easat-9223	388	33	fostering	foster	VERB
easat-9223	388	34	sound	sound	ADJ
easat-9223	388	35	financial	financial	ADJ
easat-9223	388	36	behavior	behavior	NOUN
easat-9223	388	37	.	.	PUNCT
easat-9223	389	1	it	it	PRON
easat-9223	389	2	is	be	AUX
easat-9223	389	3	recommended	recommend	VERB
easat-9223	389	4	that	that	SCONJ
easat-9223	389	5	paylater	paylater	NOUN
easat-9223	389	6	users	user	NOUN
easat-9223	389	7	,	,	PUNCT
easat-9223	389	8	particularly	particularly	ADV
easat-9223	389	9	indonesia	indonesia	PROPN
easat-9223	389	10	's	's	PART
easat-9223	389	11	generation	generation	NOUN
easat-9223	389	12	z	z	PROPN
easat-9223	389	13	,	,	PUNCT
easat-9223	389	14	keep	keep	VERB
easat-9223	389	15	enhancing	enhance	VERB
easat-9223	389	16	their	their	PRON
easat-9223	389	17	financial	financial	ADJ
easat-9223	389	18	literacy	literacy	NOUN
easat-9223	389	19	by	by	ADP
easat-9223	389	20	learning	learn	VERB
easat-9223	389	21	about	about	ADP
easat-9223	389	22	digital	digital	ADJ
easat-9223	389	23	credit	credit	NOUN
easat-9223	389	24	usage	usage	NOUN
easat-9223	389	25	,	,	PUNCT
easat-9223	389	26	personal	personal	ADJ
easat-9223	389	27	financial	financial	ADJ
easat-9223	389	28	management	management	NOUN
easat-9223	389	29	,	,	PUNCT
easat-9223	389	30	investing	investing	NOUN
easat-9223	389	31	,	,	PUNCT
easat-9223	389	32	saving	saving	NOUN
easat-9223	389	33	,	,	PUNCT
easat-9223	389	34	and	and	CCONJ
easat-9223	389	35	insurance	insurance	NOUN
easat-9223	389	36	protection	protection	NOUN
easat-9223	389	37	.	.	PUNCT
easat-9223	390	1	digital	digital	ADJ
easat-9223	390	2	media	medium	NOUN
easat-9223	390	3	that	that	PRON
easat-9223	390	4	provides	provide	VERB
easat-9223	390	5	interactive	interactive	ADJ
easat-9223	390	6	and	and	CCONJ
easat-9223	390	7	gen	gen	PROPN
easat-9223	390	8	z	z	ADJ
easat-9223	390	9	-	-	PUNCT
easat-9223	390	10	friendly	friendly	ADJ
easat-9223	390	11	financial	financial	ADJ
easat-9223	390	12	education	education	NOUN
easat-9223	390	13	,	,	PUNCT
easat-9223	390	14	such	such	ADJ
easat-9223	390	15	social	social	ADJ
easat-9223	390	16	media	medium	NOUN
easat-9223	390	17	,	,	PUNCT
easat-9223	390	18	webinars	webinar	NOUN
easat-9223	390	19	,	,	PUNCT
easat-9223	390	20	or	or	CCONJ
easat-9223	390	21	applications	application	NOUN
easat-9223	390	22	focused	focus	VERB
easat-9223	390	23	on	on	ADP
easat-9223	390	24	finance	finance	NOUN
easat-9223	390	25	education	education	NOUN
easat-9223	390	26	,	,	PUNCT
easat-9223	390	27	can	can	AUX
easat-9223	390	28	help	help	VERB
easat-9223	390	29	achieve	achieve	VERB
easat-9223	390	30	this	this	DET
easat-9223	390	31	knowledge	knowledge	NOUN
easat-9223	390	32	increase	increase	NOUN
easat-9223	390	33	.	.	PUNCT
easat-9223	391	1	in	in	ADP
easat-9223	391	2	order	order	NOUN
easat-9223	391	3	to	to	PART
easat-9223	391	4	promote	promote	VERB
easat-9223	391	5	better	well	ADJ
easat-9223	391	6	financial	financial	ADJ
easat-9223	391	7	management	management	NOUN
easat-9223	391	8	behavior	behavior	NOUN
easat-9223	391	9	among	among	ADP
easat-9223	391	10	young	young	ADJ
easat-9223	391	11	people	people	NOUN
easat-9223	391	12	,	,	PUNCT
easat-9223	391	13	the	the	DET
easat-9223	391	14	financial	financial	ADJ
easat-9223	391	15	services	service	NOUN
easat-9223	391	16	authority	authority	NOUN
easat-9223	391	17	(	(	PUNCT
easat-9223	391	18	ojk	ojk	NOUN
easat-9223	391	19	)	)	PUNCT
easat-9223	391	20	is	be	AUX
easat-9223	391	21	anticipated	anticipate	VERB
easat-9223	391	22	to	to	PART
easat-9223	391	23	enhance	enhance	VERB
easat-9223	391	24	its	its	PRON
easat-9223	391	25	educational	educational	ADJ
easat-9223	391	26	role	role	NOUN
easat-9223	391	27	by	by	ADP
easat-9223	391	28	expanding	expand	VERB
easat-9223	391	29	innovatively	innovatively	ADV
easat-9223	391	30	packaged	package	VERB
easat-9223	391	31	and	and	CCONJ
easat-9223	391	32	long	long	ADV
easat-9223	391	33	-	-	PUNCT
easat-9223	391	34	lasting	last	VERB
easat-9223	391	35	financial	financial	ADJ
easat-9223	391	36	literacy	literacy	NOUN
easat-9223	391	37	programs	program	NOUN
easat-9223	391	38	,	,	PUNCT
easat-9223	391	39	especially	especially	ADV
easat-9223	391	40	those	those	PRON
easat-9223	391	41	that	that	PRON
easat-9223	391	42	address	address	VERB
easat-9223	391	43	the	the	DET
easat-9223	391	44	risks	risk	NOUN
easat-9223	391	45	and	and	CCONJ
easat-9223	391	46	responsibilities	responsibility	NOUN
easat-9223	391	47	of	of	ADP
easat-9223	391	48	using	use	VERB
easat-9223	391	49	paylater	paylater	NOUN
easat-9223	391	50	.	.	PUNCT
easat-9223	392	1	110	110	NUM
easat-9223	392	2	edelweiss	edelweiss	PROPN
easat-9223	392	3	applied	apply	VERB
easat-9223	392	4	science	science	NOUN
easat-9223	392	5	and	and	CCONJ
easat-9223	392	6	technology	technology	NOUN
easat-9223	392	7	issn	issn	PROPN
easat-9223	392	8	:	:	PUNCT
easat-9223	392	9	2576	2576	NUM
easat-9223	392	10	-	-	SYM
easat-9223	392	11	8484	8484	NUM
easat-9223	392	12	vol	vol	NOUN
easat-9223	392	13	.	.	PROPN
easat-9223	393	1	9	9	NUM
easat-9223	393	2	,	,	PUNCT
easat-9223	393	3	no	no	INTJ
easat-9223	393	4	.	.	NOUN
easat-9223	393	5	8	8	NUM
easat-9223	393	6	:	:	SYM
easat-9223	393	7	95	95	NUM
easat-9223	393	8	-	-	SYM
easat-9223	393	9	112	112	NUM
easat-9223	393	10	,	,	PUNCT
easat-9223	393	11	2025	2025	NUM
easat-9223	393	12	doi	doi	NOUN
easat-9223	393	13	:	:	PUNCT
easat-9223	393	14	10.55214/2576	10.55214/2576	NUM
easat-9223	393	15	-	-	PUNCT
easat-9223	393	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	393	17	©	©	PROPN
easat-9223	393	18	2025	2025	NUM
easat-9223	393	19	by	by	ADP
easat-9223	393	20	the	the	DET
easat-9223	393	21	authors	author	NOUN
easat-9223	393	22	;	;	PUNCT
easat-9223	393	23	licensee	licensee	PROPN
easat-9223	393	24	learning	learning	NOUN
easat-9223	393	25	gate	gate	VERB
easat-9223	393	26	the	the	DET
easat-9223	393	27	study	study	NOUN
easat-9223	393	28	's	's	PART
easat-9223	393	29	conclusions	conclusion	NOUN
easat-9223	393	30	emphasize	emphasize	VERB
easat-9223	393	31	the	the	DET
easat-9223	393	32	need	need	NOUN
easat-9223	393	33	for	for	ADP
easat-9223	393	34	more	more	ADJ
easat-9223	393	35	accountability	accountability	NOUN
easat-9223	393	36	in	in	ADP
easat-9223	393	37	granting	grant	VERB
easat-9223	393	38	service	service	NOUN
easat-9223	393	39	access	access	NOUN
easat-9223	393	40	for	for	ADP
easat-9223	393	41	paylater	paylater	NOUN
easat-9223	393	42	service	service	NOUN
easat-9223	393	43	providers	provider	NOUN
easat-9223	393	44	and	and	CCONJ
easat-9223	393	45	participants	participant	NOUN
easat-9223	393	46	in	in	ADP
easat-9223	393	47	the	the	DET
easat-9223	393	48	digital	digital	ADJ
easat-9223	393	49	financial	financial	ADJ
easat-9223	393	50	sector	sector	NOUN
easat-9223	393	51	.	.	PUNCT
easat-9223	394	1	one	one	NUM
easat-9223	394	2	important	important	ADJ
easat-9223	394	3	result	result	NOUN
easat-9223	394	4	is	be	AUX
easat-9223	394	5	that	that	SCONJ
easat-9223	394	6	the	the	DET
easat-9223	394	7	paylater	paylater	NOUN
easat-9223	394	8	application	application	NOUN
easat-9223	394	9	process	process	NOUN
easat-9223	394	10	needs	need	VERB
easat-9223	394	11	to	to	PART
easat-9223	394	12	be	be	AUX
easat-9223	394	13	tightened	tighten	VERB
easat-9223	394	14	.	.	PUNCT
easat-9223	395	1	this	this	PRON
easat-9223	395	2	includes	include	VERB
easat-9223	395	3	adding	add	VERB
easat-9223	395	4	procedures	procedure	NOUN
easat-9223	395	5	for	for	ADP
easat-9223	395	6	assessing	assess	VERB
easat-9223	395	7	financial	financial	ADJ
easat-9223	395	8	eligibility	eligibility	NOUN
easat-9223	395	9	,	,	PUNCT
easat-9223	395	10	assessing	assess	VERB
easat-9223	395	11	users	user	NOUN
easat-9223	395	12	'	'	PART
easat-9223	395	13	financial	financial	ADJ
easat-9223	395	14	management	management	NOUN
easat-9223	395	15	skills	skill	NOUN
easat-9223	395	16	(	(	PUNCT
easat-9223	395	17	financial	financial	ADJ
easat-9223	395	18	behavior	behavior	NOUN
easat-9223	395	19	profiling	profiling	NOUN
easat-9223	395	20	)	)	PUNCT
easat-9223	395	21	,	,	PUNCT
easat-9223	395	22	and	and	CCONJ
easat-9223	395	23	establishing	establish	VERB
easat-9223	395	24	credit	credit	NOUN
easat-9223	395	25	limits	limit	NOUN
easat-9223	395	26	that	that	PRON
easat-9223	395	27	are	be	AUX
easat-9223	395	28	suitable	suitable	ADJ
easat-9223	395	29	for	for	ADP
easat-9223	395	30	each	each	DET
easat-9223	395	31	user	user	NOUN
easat-9223	395	32	's	's	PART
easat-9223	395	33	financial	financial	ADJ
easat-9223	395	34	situation	situation	NOUN
easat-9223	395	35	.	.	PUNCT
easat-9223	396	1	in	in	ADP
easat-9223	396	2	order	order	NOUN
easat-9223	396	3	to	to	PART
easat-9223	396	4	encourage	encourage	VERB
easat-9223	396	5	better	well	ADJ
easat-9223	396	6	financial	financial	ADJ
easat-9223	396	7	practices	practice	NOUN
easat-9223	396	8	,	,	PUNCT
easat-9223	396	9	service	service	NOUN
easat-9223	396	10	providers	provider	NOUN
easat-9223	396	11	are	be	AUX
easat-9223	396	12	also	also	ADV
easat-9223	396	13	urged	urge	VERB
easat-9223	396	14	to	to	PART
easat-9223	396	15	incorporate	incorporate	VERB
easat-9223	396	16	instructional	instructional	ADJ
easat-9223	396	17	features	feature	NOUN
easat-9223	396	18	into	into	ADP
easat-9223	396	19	their	their	PRON
easat-9223	396	20	apps	app	NOUN
easat-9223	396	21	,	,	PUNCT
easat-9223	396	22	such	such	ADJ
easat-9223	396	23	as	as	ADP
easat-9223	396	24	interactive	interactive	ADJ
easat-9223	396	25	financial	financial	ADJ
easat-9223	396	26	education	education	NOUN
easat-9223	396	27	materials	material	NOUN
easat-9223	396	28	,	,	PUNCT
easat-9223	396	29	interest	interest	NOUN
easat-9223	396	30	predictions	prediction	NOUN
easat-9223	396	31	for	for	ADP
easat-9223	396	32	installments	installment	NOUN
easat-9223	396	33	,	,	PUNCT
easat-9223	396	34	and	and	CCONJ
easat-9223	396	35	reminders	reminder	NOUN
easat-9223	396	36	for	for	ADP
easat-9223	396	37	due	due	ADJ
easat-9223	396	38	dates	date	NOUN
easat-9223	396	39	.	.	PUNCT
easat-9223	397	1	this	this	DET
easat-9223	397	2	study	study	NOUN
easat-9223	397	3	has	have	VERB
easat-9223	397	4	several	several	ADJ
easat-9223	397	5	limitations	limitation	NOUN
easat-9223	397	6	that	that	PRON
easat-9223	397	7	should	should	AUX
easat-9223	397	8	be	be	AUX
easat-9223	397	9	acknowledged	acknowledge	VERB
easat-9223	397	10	.	.	PUNCT
easat-9223	398	1	the	the	DET
easat-9223	398	2	use	use	NOUN
easat-9223	398	3	of	of	ADP
easat-9223	398	4	a	a	DET
easat-9223	398	5	5	5	NUM
easat-9223	398	6	-	-	PUNCT
easat-9223	398	7	point	point	NOUN
easat-9223	398	8	likert	likert	ADJ
easat-9223	398	9	scale	scale	NOUN
easat-9223	398	10	with	with	ADP
easat-9223	398	11	a	a	DET
easat-9223	398	12	neutral	neutral	ADJ
easat-9223	398	13	midpoint	midpoint	NOUN
easat-9223	398	14	may	may	AUX
easat-9223	398	15	have	have	AUX
easat-9223	398	16	led	lead	VERB
easat-9223	398	17	to	to	ADP
easat-9223	398	18	ambiguous	ambiguous	ADJ
easat-9223	398	19	responses	response	NOUN
easat-9223	398	20	,	,	PUNCT
easat-9223	398	21	as	as	SCONJ
easat-9223	398	22	it	it	PRON
easat-9223	398	23	is	be	AUX
easat-9223	398	24	unclear	unclear	ADJ
easat-9223	398	25	whether	whether	SCONJ
easat-9223	398	26	participants	participant	NOUN
easat-9223	398	27	leaned	lean	VERB
easat-9223	398	28	more	more	ADV
easat-9223	398	29	towards	towards	ADP
easat-9223	398	30	agreement	agreement	NOUN
easat-9223	398	31	or	or	CCONJ
easat-9223	398	32	disagreement	disagreement	NOUN
easat-9223	398	33	,	,	PUNCT
easat-9223	398	34	which	which	PRON
easat-9223	398	35	could	could	AUX
easat-9223	398	36	affect	affect	VERB
easat-9223	398	37	the	the	DET
easat-9223	398	38	precision	precision	NOUN
easat-9223	398	39	of	of	ADP
easat-9223	398	40	the	the	DET
easat-9223	398	41	data	datum	NOUN
easat-9223	398	42	collected	collect	VERB
easat-9223	398	43	.	.	PUNCT
easat-9223	399	1	additionally	additionally	ADV
easat-9223	399	2	,	,	PUNCT
easat-9223	399	3	the	the	DET
easat-9223	399	4	questionnaires	questionnaire	NOUN
easat-9223	399	5	were	be	AUX
easat-9223	399	6	completed	complete	VERB
easat-9223	399	7	without	without	ADP
easat-9223	399	8	the	the	DET
easat-9223	399	9	presence	presence	NOUN
easat-9223	399	10	of	of	ADP
easat-9223	399	11	a	a	DET
easat-9223	399	12	researcher	researcher	NOUN
easat-9223	399	13	,	,	PUNCT
easat-9223	399	14	which	which	PRON
easat-9223	399	15	may	may	AUX
easat-9223	399	16	have	have	AUX
easat-9223	399	17	caused	cause	VERB
easat-9223	399	18	respondents	respondent	NOUN
easat-9223	399	19	to	to	PART
easat-9223	399	20	misinterpret	misinterpret	VERB
easat-9223	399	21	questions	question	NOUN
easat-9223	399	22	or	or	CCONJ
easat-9223	399	23	provide	provide	VERB
easat-9223	399	24	subjective	subjective	ADJ
easat-9223	399	25	answers	answer	NOUN
easat-9223	399	26	,	,	PUNCT
easat-9223	399	27	potentially	potentially	ADV
easat-9223	399	28	introducing	introduce	VERB
easat-9223	399	29	bias	bias	NOUN
easat-9223	399	30	into	into	ADP
easat-9223	399	31	the	the	DET
easat-9223	399	32	findings	finding	NOUN
easat-9223	399	33	.	.	PUNCT
easat-9223	400	1	future	future	ADJ
easat-9223	400	2	studies	study	NOUN
easat-9223	400	3	are	be	AUX
easat-9223	400	4	encouraged	encourage	VERB
easat-9223	400	5	to	to	PART
easat-9223	400	6	adopt	adopt	VERB
easat-9223	400	7	a	a	DET
easat-9223	400	8	4	4	NUM
easat-9223	400	9	-	-	PUNCT
easat-9223	400	10	point	point	NOUN
easat-9223	400	11	likert	likert	ADJ
easat-9223	400	12	scale	scale	NOUN
easat-9223	400	13	to	to	PART
easat-9223	400	14	eliminate	eliminate	VERB
easat-9223	400	15	the	the	DET
easat-9223	400	16	neutral	neutral	ADJ
easat-9223	400	17	option	option	NOUN
easat-9223	400	18	and	and	CCONJ
easat-9223	400	19	enhance	enhance	VERB
easat-9223	400	20	response	response	NOUN
easat-9223	400	21	clarity	clarity	NOUN
easat-9223	400	22	.	.	PUNCT
easat-9223	401	1	it	it	PRON
easat-9223	401	2	is	be	AUX
easat-9223	401	3	also	also	ADV
easat-9223	401	4	recommended	recommend	VERB
easat-9223	401	5	that	that	SCONJ
easat-9223	401	6	future	future	ADJ
easat-9223	401	7	research	research	NOUN
easat-9223	401	8	incorporate	incorporate	NOUN
easat-9223	401	9	guided	guide	VERB
easat-9223	401	10	or	or	CCONJ
easat-9223	401	11	assisted	assist	VERB
easat-9223	401	12	questionnaire	questionnaire	NOUN
easat-9223	401	13	administration	administration	NOUN
easat-9223	401	14	,	,	PUNCT
easat-9223	401	15	either	either	CCONJ
easat-9223	401	16	through	through	ADP
easat-9223	401	17	direct	direct	ADJ
easat-9223	401	18	interaction	interaction	NOUN
easat-9223	401	19	or	or	CCONJ
easat-9223	401	20	virtual	virtual	ADJ
easat-9223	401	21	facilitation	facilitation	NOUN
easat-9223	401	22	,	,	PUNCT
easat-9223	401	23	to	to	PART
easat-9223	401	24	ensure	ensure	VERB
easat-9223	401	25	better	well	ADJ
easat-9223	401	26	participant	participant	ADJ
easat-9223	401	27	understanding	understanding	NOUN
easat-9223	401	28	and	and	CCONJ
easat-9223	401	29	improve	improve	VERB
easat-9223	401	30	the	the	DET
easat-9223	401	31	overall	overall	ADJ
easat-9223	401	32	accuracy	accuracy	NOUN
easat-9223	401	33	of	of	ADP
easat-9223	401	34	the	the	DET
easat-9223	401	35	data	datum	NOUN
easat-9223	401	36	collected	collect	VERB
easat-9223	401	37	.	.	PUNCT
easat-9223	402	1	transparency	transparency	NOUN
easat-9223	402	2	:	:	PUNCT
easat-9223	402	3	the	the	DET
easat-9223	402	4	authors	author	NOUN
easat-9223	402	5	confirm	confirm	VERB
easat-9223	402	6	that	that	SCONJ
easat-9223	402	7	the	the	DET
easat-9223	402	8	manuscript	manuscript	NOUN
easat-9223	402	9	is	be	AUX
easat-9223	402	10	an	an	DET
easat-9223	402	11	honest	honest	ADJ
easat-9223	402	12	,	,	PUNCT
easat-9223	402	13	accurate	accurate	ADJ
easat-9223	402	14	,	,	PUNCT
easat-9223	402	15	and	and	CCONJ
easat-9223	402	16	transparent	transparent	ADJ
easat-9223	402	17	account	account	NOUN
easat-9223	402	18	of	of	ADP
easat-9223	402	19	the	the	DET
easat-9223	402	20	study	study	NOUN
easat-9223	402	21	;	;	PUNCT
easat-9223	402	22	that	that	SCONJ
easat-9223	402	23	no	no	DET
easat-9223	402	24	vital	vital	ADJ
easat-9223	402	25	features	feature	NOUN
easat-9223	402	26	of	of	ADP
easat-9223	402	27	the	the	DET
easat-9223	402	28	study	study	NOUN
easat-9223	402	29	have	have	AUX
easat-9223	402	30	been	be	AUX
easat-9223	402	31	omitted	omit	VERB
easat-9223	402	32	;	;	PUNCT
easat-9223	402	33	and	and	CCONJ
easat-9223	402	34	that	that	SCONJ
easat-9223	402	35	any	any	DET
easat-9223	402	36	discrepancies	discrepancy	NOUN
easat-9223	402	37	from	from	ADP
easat-9223	402	38	the	the	DET
easat-9223	402	39	study	study	NOUN
easat-9223	402	40	as	as	SCONJ
easat-9223	402	41	planned	plan	VERB
easat-9223	402	42	have	have	AUX
easat-9223	402	43	been	be	AUX
easat-9223	402	44	explained	explain	VERB
easat-9223	402	45	.	.	PUNCT
easat-9223	403	1	this	this	DET
easat-9223	403	2	study	study	NOUN
easat-9223	403	3	followed	follow	VERB
easat-9223	403	4	all	all	DET
easat-9223	403	5	ethical	ethical	ADJ
easat-9223	403	6	practices	practice	NOUN
easat-9223	403	7	during	during	ADP
easat-9223	403	8	writing	writing	NOUN
easat-9223	403	9	.	.	PUNCT
easat-9223	404	1	copyright	copyright	NOUN
easat-9223	404	2	:	:	PUNCT
easat-9223	404	3	©	©	PROPN
easat-9223	404	4	2025	2025	NUM
easat-9223	404	5	by	by	ADP
easat-9223	404	6	the	the	DET
easat-9223	404	7	authors	author	NOUN
easat-9223	404	8	.	.	PUNCT
easat-9223	405	1	this	this	DET
easat-9223	405	2	open	open	ADJ
easat-9223	405	3	-	-	PUNCT
easat-9223	405	4	access	access	NOUN
easat-9223	405	5	article	article	NOUN
easat-9223	405	6	is	be	AUX
easat-9223	405	7	distributed	distribute	VERB
easat-9223	405	8	under	under	ADP
easat-9223	405	9	the	the	DET
easat-9223	405	10	terms	term	NOUN
easat-9223	405	11	and	and	CCONJ
easat-9223	405	12	conditions	condition	NOUN
easat-9223	405	13	of	of	ADP
easat-9223	405	14	the	the	DET
easat-9223	405	15	creative	creative	ADJ
easat-9223	405	16	commons	common	NOUN
easat-9223	405	17	attribution	attribution	NOUN
easat-9223	405	18	(	(	PUNCT
easat-9223	405	19	cc	cc	NOUN
easat-9223	405	20	by	by	ADP
easat-9223	405	21	)	)	PUNCT
easat-9223	405	22	license	license	NOUN
easat-9223	405	23	(	(	PUNCT
easat-9223	405	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9223	405	25	)	)	PUNCT
easat-9223	405	26	.	.	PUNCT
easat-9223	406	1	references	reference	NOUN
easat-9223	406	2	[	[	X
easat-9223	406	3	1	1	NUM
easat-9223	406	4	]	]	PUNCT
easat-9223	406	5	i.	i.	PROPN
easat-9223	406	6	g.	g.	PROPN
easat-9223	406	7	a.	a.	PROPN
easat-9223	406	8	a.	a.	PROPN
easat-9223	406	9	w.	w.	PROPN
easat-9223	406	10	prasanti	prasanti	PROPN
easat-9223	406	11	,	,	PUNCT
easat-9223	406	12	k.	k.	PROPN
easat-9223	406	13	kurniawan	kurniawan	PROPN
easat-9223	406	14	,	,	PUNCT
easat-9223	406	15	and	and	CCONJ
easat-9223	406	16	a.	a.	NOUN
easat-9223	406	17	munandar	munandar	NOUN
easat-9223	406	18	,	,	PUNCT
easat-9223	406	19	"	"	PUNCT
easat-9223	406	20	implementation	implementation	NOUN
easat-9223	406	21	of	of	ADP
easat-9223	406	22	buy	buy	NOUN
easat-9223	406	23	now	now	ADV
easat-9223	406	24	pay	pay	VERB
easat-9223	406	25	later	late	ADJ
easat-9223	406	26	transactions	transaction	NOUN
easat-9223	406	27	on	on	ADP
easat-9223	406	28	ecommerce	ecommerce	NOUN
easat-9223	406	29	in	in	ADP
easat-9223	406	30	mataram	mataram	PROPN
easat-9223	406	31	city	city	PROPN
easat-9223	406	32	,	,	PUNCT
easat-9223	406	33	"	"	PUNCT
easat-9223	406	34	jurnal	jurnal	ADJ
easat-9223	406	35	education	education	NOUN
easat-9223	406	36	and	and	CCONJ
easat-9223	406	37	development	development	NOUN
easat-9223	406	38	,	,	PUNCT
easat-9223	406	39	vol	vol	NOUN
easat-9223	406	40	.	.	PROPN
easat-9223	406	41	12	12	NUM
easat-9223	406	42	,	,	PUNCT
easat-9223	406	43	no	no	INTJ
easat-9223	406	44	.	.	NOUN
easat-9223	406	45	3	3	NUM
easat-9223	406	46	,	,	PUNCT
easat-9223	406	47	pp	pp	ADJ
easat-9223	406	48	.	.	PUNCT
easat-9223	407	1	686	686	NUM
easat-9223	407	2	-	-	SYM
easat-9223	407	3	692	692	NUM
easat-9223	407	4	,	,	PUNCT
easat-9223	407	5	2024	2024	NUM
easat-9223	407	6	.	.	PUNCT
easat-9223	408	1	[	[	X
easat-9223	408	2	2	2	NUM
easat-9223	408	3	]	]	PUNCT
easat-9223	408	4	otoritas	otoritas	PROPN
easat-9223	408	5	jasa	jasa	PROPN
easat-9223	408	6	keuangan	keuangan	PROPN
easat-9223	408	7	,	,	PUNCT
easat-9223	408	8	"	"	PUNCT
easat-9223	408	9	drc	drc	PROPN
easat-9223	408	10	press	press	NOUN
easat-9223	408	11	release	release	NOUN
easat-9223	408	12	december	december	PROPN
easat-9223	408	13	2024	2024	NUM
easat-9223	408	14	,	,	PUNCT
easat-9223	408	15	"	"	PUNCT
easat-9223	408	16	2025	2025	NUM
easat-9223	408	17	.	.	PUNCT
easat-9223	409	1	https://www.ojk.go.id/id/default.aspx	https://www.ojk.go.id/id/default.aspx	NOUN
easat-9223	410	1	[	[	X
easat-9223	410	2	3	3	X
easat-9223	410	3	]	]	X
easat-9223	410	4	cnn	cnn	PROPN
easat-9223	410	5	indonesia	indonesia	PROPN
easat-9223	410	6	,	,	PUNCT
easat-9223	410	7	"	"	PUNCT
easat-9223	410	8	paylater	paylater	NOUN
easat-9223	410	9	users	user	NOUN
easat-9223	410	10	have	have	AUX
easat-9223	410	11	reached	reach	VERB
easat-9223	410	12	16	16	NUM
easat-9223	410	13	million	million	NUM
easat-9223	410	14	people	people	NOUN
easat-9223	410	15	,	,	PUNCT
easat-9223	410	16	the	the	DET
easat-9223	410	17	majority	majority	NOUN
easat-9223	410	18	in	in	ADP
easat-9223	410	19	west	west	PROPN
easat-9223	410	20	java	java	PROPN
easat-9223	410	21	and	and	CCONJ
easat-9223	410	22	among	among	ADP
easat-9223	410	23	women	woman	NOUN
easat-9223	410	24	.	.	PUNCT
easat-9223	411	1	cnn	cnn	PROPN
easat-9223	411	2	indonesia	indonesia	PROPN
easat-9223	411	3	,	,	PUNCT
easat-9223	411	4	"	"	PUNCT
easat-9223	411	5	2025	2025	NUM
easat-9223	411	6	.	.	PUNCT
easat-9223	412	1	https://www.cnnindonesia.com/ekonomi/20250120120402-78-1189151/pengguna-paylatertembus-16-juta-orang-terbanyak-di-jabar-perempuan	https://www.cnnindonesia.com/ekonomi/20250120120402-78-1189151/pengguna-paylatertembus-16-juta-orang-terbanyak-di-jabar-perempuan	PROPN
easat-9223	413	1	[	[	X
easat-9223	413	2	4	4	NUM
easat-9223	413	3	]	]	X
easat-9223	413	4	n.	n.	NOUN
easat-9223	413	5	a.	a.	PROPN
easat-9223	413	6	kholilah	kholilah	PROPN
easat-9223	413	7	and	and	CCONJ
easat-9223	413	8	r.	r.	PROPN
easat-9223	413	9	iramani	iramani	PROPN
easat-9223	413	10	,	,	PUNCT
easat-9223	413	11	"	"	PUNCT
easat-9223	413	12	study	study	NOUN
easat-9223	413	13	of	of	ADP
easat-9223	413	14	financial	financial	ADJ
easat-9223	413	15	management	management	NOUN
easat-9223	413	16	behavior	behavior	NOUN
easat-9223	413	17	in	in	ADP
easat-9223	413	18	surabaya	surabaya	PROPN
easat-9223	413	19	society	society	NOUN
easat-9223	413	20	,	,	PUNCT
easat-9223	413	21	"	"	PUNCT
easat-9223	413	22	perbanas	perbanas	PROPN
easat-9223	413	23	journal	journal	PROPN
easat-9223	413	24	of	of	ADP
easat-9223	413	25	business	business	NOUN
easat-9223	413	26	and	and	CCONJ
easat-9223	413	27	banking	banking	NOUN
easat-9223	413	28	,	,	PUNCT
easat-9223	413	29	vol	vol	NOUN
easat-9223	413	30	.	.	PROPN
easat-9223	414	1	3	3	NUM
easat-9223	414	2	,	,	PUNCT
easat-9223	414	3	no	no	INTJ
easat-9223	414	4	.	.	NOUN
easat-9223	414	5	1	1	NUM
easat-9223	414	6	,	,	PUNCT
easat-9223	414	7	pp	pp	ADJ
easat-9223	414	8	.	.	PUNCT
easat-9223	415	1	1–13	1–13	NOUN
easat-9223	415	2	,	,	PUNCT
easat-9223	415	3	2013	2013	NUM
easat-9223	415	4	.	.	PUNCT
easat-9223	416	1	[	[	X
easat-9223	416	2	5	5	NUM
easat-9223	416	3	]	]	PUNCT
easat-9223	416	4	a.	a.	NOUN
easat-9223	416	5	n.	n.	PROPN
easat-9223	416	6	sari	sari	PROPN
easat-9223	416	7	and	and	CCONJ
easat-9223	416	8	a.	a.	PROPN
easat-9223	416	9	kautsar	kautsar	PROPN
easat-9223	416	10	,	,	PUNCT
easat-9223	416	11	"	"	PUNCT
easat-9223	416	12	analysis	analysis	NOUN
easat-9223	416	13	of	of	ADP
easat-9223	416	14	the	the	DET
easat-9223	416	15	influence	influence	NOUN
easat-9223	416	16	of	of	ADP
easat-9223	416	17	financial	financial	ADJ
easat-9223	416	18	literacy	literacy	NOUN
easat-9223	416	19	,	,	PUNCT
easat-9223	416	20	financial	financial	ADJ
easat-9223	416	21	technology	technology	NOUN
easat-9223	416	22	,	,	PUNCT
easat-9223	416	23	and	and	CCONJ
easat-9223	416	24	demographics	demographic	NOUN
easat-9223	416	25	on	on	ADP
easat-9223	416	26	financial	financial	ADJ
easat-9223	416	27	inclusion	inclusion	NOUN
easat-9223	416	28	in	in	ADP
easat-9223	416	29	the	the	DET
easat-9223	416	30	community	community	NOUN
easat-9223	416	31	in	in	ADP
easat-9223	416	32	surabaya	surabaya	PROPN
easat-9223	416	33	city	city	PROPN
easat-9223	416	34	,	,	PUNCT
easat-9223	416	35	"	"	PUNCT
easat-9223	416	36	jurnal	jurnal	ADJ
easat-9223	416	37	ilmu	ilmu	PROPN
easat-9223	416	38	manajemen	manajeman	NOUN
easat-9223	416	39	,	,	PUNCT
easat-9223	416	40	vol	vol	NOUN
easat-9223	416	41	.	.	PROPN
easat-9223	416	42	8	8	NUM
easat-9223	416	43	,	,	PUNCT
easat-9223	416	44	no	no	INTJ
easat-9223	416	45	.	.	NOUN
easat-9223	416	46	4	4	NUM
easat-9223	416	47	,	,	PUNCT
easat-9223	416	48	pp	pp	ADJ
easat-9223	416	49	.	.	PUNCT
easat-9223	416	50	1233	1233	NUM
easat-9223	416	51	-	-	SYM
easat-9223	416	52	1246	1246	NUM
easat-9223	416	53	,	,	PUNCT
easat-9223	416	54	2020	2020	NUM
easat-9223	416	55	.	.	PUNCT
easat-9223	417	1	https://doi.org/10.26740/jim.v8n4.p1233-1246	https://doi.org/10.26740/jim.v8n4.p1233-1246	PROPN
easat-9223	418	1	[	[	X
easat-9223	418	2	6	6	NUM
easat-9223	418	3	]	]	PUNCT
easat-9223	418	4	m.	m.	NOUN
easat-9223	418	5	yuliana	yuliana	PROPN
easat-9223	418	6	,	,	PUNCT
easat-9223	418	7	d.	d.	PROPN
easat-9223	418	8	nurjannah	nurjannah	PROPN
easat-9223	418	9	,	,	PUNCT
easat-9223	418	10	and	and	CCONJ
easat-9223	418	11	c.	c.	PROPN
easat-9223	418	12	sa’diyah	sa’diyah	PROPN
easat-9223	418	13	,	,	PUNCT
easat-9223	418	14	"	"	PUNCT
easat-9223	418	15	the	the	DET
easat-9223	418	16	effect	effect	NOUN
easat-9223	418	17	of	of	ADP
easat-9223	418	18	financial	financial	ADJ
easat-9223	418	19	literacy	literacy	NOUN
easat-9223	418	20	,	,	PUNCT
easat-9223	418	21	personality	personality	NOUN
easat-9223	418	22	,	,	PUNCT
easat-9223	418	23	and	and	CCONJ
easat-9223	418	24	financial	financial	ADJ
easat-9223	418	25	attitude	attitude	NOUN
easat-9223	418	26	on	on	ADP
easat-9223	418	27	financial	financial	ADJ
easat-9223	418	28	behavior	behavior	NOUN
easat-9223	418	29	management	management	NOUN
easat-9223	418	30	in	in	ADP
easat-9223	418	31	malang	malang	PROPN
easat-9223	418	32	smes	sme	NOUN
easat-9223	418	33	,	,	PUNCT
easat-9223	418	34	"	"	PUNCT
easat-9223	418	35	jurnal	jurnal	ADJ
easat-9223	418	36	manajemen	manajeman	NOUN
easat-9223	418	37	bisnis	bisnis	PROPN
easat-9223	418	38	dan	dan	PROPN
easat-9223	418	39	kewirausahaan	kewirausahaan	PROPN
easat-9223	418	40	,	,	PUNCT
easat-9223	418	41	vol	vol	NOUN
easat-9223	418	42	.	.	PROPN
easat-9223	419	1	3	3	NUM
easat-9223	419	2	,	,	PUNCT
easat-9223	419	3	no	no	INTJ
easat-9223	419	4	.	.	NOUN
easat-9223	419	5	02	02	NUM
easat-9223	419	6	,	,	PUNCT
easat-9223	419	7	pp	pp	ADJ
easat-9223	419	8	.	.	PUNCT
easat-9223	420	1	138147	138147	NUM
easat-9223	420	2	,	,	PUNCT
easat-9223	420	3	2023	2023	NUM
easat-9223	420	4	.	.	PUNCT
easat-9223	421	1	[	[	X
easat-9223	421	2	7	7	X
easat-9223	421	3	]	]	X
easat-9223	421	4	r.	r.	PROPN
easat-9223	421	5	powell	powell	PROPN
easat-9223	421	6	,	,	PUNCT
easat-9223	421	7	a.	a.	PROPN
easat-9223	421	8	do	do	VERB
easat-9223	421	9	,	,	PUNCT
easat-9223	421	10	d.	d.	PROPN
easat-9223	421	11	gengatharen	gengatharen	PROPN
easat-9223	421	12	,	,	PUNCT
easat-9223	421	13	j.	j.	PROPN
easat-9223	421	14	yong	yong	PROPN
easat-9223	421	15	,	,	PUNCT
easat-9223	421	16	and	and	CCONJ
easat-9223	421	17	r.	r.	PROPN
easat-9223	421	18	gengatharen	gengatharen	NOUN
easat-9223	421	19	,	,	PUNCT
easat-9223	421	20	"	"	PUNCT
easat-9223	421	21	the	the	DET
easat-9223	421	22	relationship	relationship	NOUN
easat-9223	421	23	between	between	ADP
easat-9223	421	24	responsible	responsible	ADJ
easat-9223	421	25	financial	financial	ADJ
easat-9223	421	26	behaviours	behaviour	NOUN
easat-9223	421	27	and	and	CCONJ
easat-9223	421	28	financial	financial	ADJ
easat-9223	421	29	wellbeing	wellbeing	NOUN
easat-9223	421	30	:	:	PUNCT
easat-9223	421	31	the	the	DET
easat-9223	421	32	case	case	NOUN
easat-9223	421	33	of	of	ADP
easat-9223	421	34	buy‐now‐pay‐later	buy‐now‐pay‐later	NOUN
easat-9223	421	35	,	,	PUNCT
easat-9223	421	36	"	"	PUNCT
easat-9223	421	37	accounting	accounting	NOUN
easat-9223	421	38	&	&	CCONJ
easat-9223	421	39	finance	finance	NOUN
easat-9223	421	40	,	,	PUNCT
easat-9223	421	41	vol	vol	NOUN
easat-9223	421	42	.	.	PROPN
easat-9223	422	1	63	63	NUM
easat-9223	422	2	,	,	PUNCT
easat-9223	422	3	no	no	INTJ
easat-9223	422	4	.	.	NOUN
easat-9223	422	5	4	4	NUM
easat-9223	422	6	,	,	PUNCT
easat-9223	422	7	pp	pp	ADJ
easat-9223	422	8	.	.	PUNCT
easat-9223	422	9	44314451	44314451	NUM
easat-9223	422	10	,	,	PUNCT
easat-9223	422	11	2023	2023	NUM
easat-9223	422	12	.	.	PUNCT
easat-9223	423	1	[	[	X
easat-9223	423	2	8	8	NUM
easat-9223	423	3	]	]	X
easat-9223	423	4	i.	i.	NOUN
easat-9223	423	5	herdijono	herdijono	PROPN
easat-9223	423	6	and	and	CCONJ
easat-9223	423	7	l.	l.	PROPN
easat-9223	423	8	a.	a.	PROPN
easat-9223	423	9	damanik	damanik	PROPN
easat-9223	423	10	,	,	PUNCT
easat-9223	423	11	"	"	PUNCT
easat-9223	423	12	the	the	DET
easat-9223	423	13	influence	influence	NOUN
easat-9223	423	14	of	of	ADP
easat-9223	423	15	financial	financial	ADJ
easat-9223	423	16	attitude	attitude	NOUN
easat-9223	423	17	,	,	PUNCT
easat-9223	423	18	financial	financial	ADJ
easat-9223	423	19	knowledge	knowledge	NOUN
easat-9223	423	20	,	,	PUNCT
easat-9223	423	21	parental	parental	ADJ
easat-9223	423	22	income	income	NOUN
easat-9223	423	23	on	on	ADP
easat-9223	423	24	financial	financial	ADJ
easat-9223	423	25	management	management	NOUN
easat-9223	423	26	,	,	PUNCT
easat-9223	423	27	"	"	PUNCT
easat-9223	423	28	jurnal	jurnal	ADJ
easat-9223	423	29	manajemen	manajemen	PROPN
easat-9223	423	30	teori	teori	PROPN
easat-9223	423	31	dan	dan	PROPN
easat-9223	423	32	terapan	terapan	PROPN
easat-9223	423	33	,	,	PUNCT
easat-9223	423	34	vol	vol	NOUN
easat-9223	423	35	.	.	PROPN
easat-9223	423	36	9	9	NUM
easat-9223	423	37	,	,	PUNCT
easat-9223	423	38	no	no	INTJ
easat-9223	423	39	.	.	NOUN
easat-9223	423	40	3	3	NUM
easat-9223	423	41	,	,	PUNCT
easat-9223	423	42	pp	pp	ADJ
easat-9223	423	43	.	.	PUNCT
easat-9223	424	1	226–241	226–241	NUM
easat-9223	424	2	,	,	PUNCT
easat-9223	424	3	2016	2016	NUM
easat-9223	424	4	.	.	PUNCT
easat-9223	425	1	[	[	X
easat-9223	425	2	9	9	NUM
easat-9223	425	3	]	]	PUNCT
easat-9223	425	4	a.	a.	NOUN
easat-9223	425	5	p.	p.	NOUN
easat-9223	425	6	nobriyani	nobriyani	PROPN
easat-9223	425	7	and	and	CCONJ
easat-9223	425	8	n.	n.	PROPN
easat-9223	425	9	a.	a.	NOUN
easat-9223	425	10	haryono	haryono	PROPN
easat-9223	425	11	,	,	PUNCT
easat-9223	425	12	"	"	PUNCT
easat-9223	425	13	factors	factor	NOUN
easat-9223	425	14	that	that	PRON
easat-9223	425	15	influence	influence	VERB
easat-9223	425	16	financial	financial	ADJ
easat-9223	425	17	management	management	NOUN
easat-9223	425	18	behavior	behavior	NOUN
easat-9223	425	19	in	in	ADP
easat-9223	425	20	migrant	migrant	ADJ
easat-9223	425	21	worker	worker	NOUN
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easat-9223	425	23	in	in	ADP
easat-9223	425	24	ponorogo	ponorogo	PROPN
easat-9223	425	25	regency	regency	PROPN
easat-9223	425	26	,	,	PUNCT
easat-9223	425	27	"	"	PUNCT
easat-9223	425	28	jurnal	jurnal	ADJ
easat-9223	425	29	ilmu	ilmu	PROPN
easat-9223	425	30	manajemen	manajeman	NOUN
easat-9223	425	31	,	,	PUNCT
easat-9223	425	32	vol	vol	NOUN
easat-9223	425	33	.	.	PROPN
easat-9223	425	34	7	7	NUM
easat-9223	425	35	,	,	PUNCT
easat-9223	425	36	no	no	INTJ
easat-9223	425	37	.	.	NOUN
easat-9223	425	38	3	3	NUM
easat-9223	425	39	,	,	PUNCT
easat-9223	425	40	pp	pp	ADJ
easat-9223	425	41	.	.	PUNCT
easat-9223	426	1	841–856	841–856	NUM
easat-9223	426	2	,	,	PUNCT
easat-9223	426	3	2019	2019	NUM
easat-9223	426	4	.	.	PUNCT
easat-9223	427	1	[	[	X
easat-9223	427	2	10	10	NUM
easat-9223	427	3	]	]	X
easat-9223	427	4	a.	a.	PROPN
easat-9223	427	5	d.	d.	PROPN
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easat-9223	427	7	and	and	CCONJ
easat-9223	427	8	n.	n.	PROPN
easat-9223	427	9	a.	a.	PROPN
easat-9223	427	10	haryono	haryono	PROPN
easat-9223	427	11	,	,	PUNCT
easat-9223	427	12	"	"	PUNCT
easat-9223	427	13	the	the	DET
easat-9223	427	14	influence	influence	NOUN
easat-9223	427	15	of	of	ADP
easat-9223	427	16	financial	financial	ADJ
easat-9223	427	17	literacy	literacy	NOUN
easat-9223	427	18	,	,	PUNCT
easat-9223	427	19	financial	financial	ADJ
easat-9223	427	20	knowledge	knowledge	NOUN
easat-9223	427	21	,	,	PUNCT
easat-9223	427	22	financial	financial	ADJ
easat-9223	427	23	attitude	attitude	NOUN
easat-9223	427	24	,	,	PUNCT
easat-9223	427	25	income	income	NOUN
easat-9223	427	26	and	and	CCONJ
easat-9223	427	27	financial	financial	ADJ
easat-9223	427	28	self	self	NOUN
easat-9223	427	29	-	-	PUNCT
easat-9223	427	30	efficacy	efficacy	NOUN
easat-9223	427	31	on	on	ADP
easat-9223	427	32	the	the	DET
easat-9223	427	33	financial	financial	ADJ
easat-9223	427	34	management	management	NOUN
easat-9223	427	35	behavior	behavior	NOUN
easat-9223	427	36	of	of	ADP
easat-9223	427	37	entrepreneurs	entrepreneur	NOUN
easat-9223	427	38	of	of	ADP
easat-9223	427	39	college	college	NOUN
easat-9223	427	40	graduates	graduate	NOUN
easat-9223	427	41	in	in	ADP
easat-9223	427	42	surabaya	surabaya	PROPN
easat-9223	427	43	,	,	PUNCT
easat-9223	427	44	"	"	PUNCT
easat-9223	427	45	jurnal	jurnal	ADJ
easat-9223	427	46	ilmu	ilmu	PROPN
easat-9223	427	47	manajemen	manajeman	NOUN
easat-9223	427	48	,	,	PUNCT
easat-9223	427	49	vol	vol	NOUN
easat-9223	427	50	.	.	PROPN
easat-9223	427	51	9	9	NUM
easat-9223	427	52	,	,	PUNCT
easat-9223	427	53	no	no	INTJ
easat-9223	427	54	.	.	NOUN
easat-9223	427	55	2	2	NUM
easat-9223	427	56	,	,	PUNCT
easat-9223	427	57	pp	pp	ADJ
easat-9223	427	58	.	.	PUNCT
easat-9223	428	1	572	572	NUM
easat-9223	428	2	-	-	SYM
easat-9223	428	3	586	586	NUM
easat-9223	428	4	,	,	PUNCT
easat-9223	428	5	2021	2021	NUM
easat-9223	428	6	.	.	PUNCT
easat-9223	429	1	https://doi.org/10.26740/jim.v9n2.p572-586	https://doi.org/10.26740/jim.v9n2.p572-586	PROPN
easat-9223	429	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
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easat-9223	429	4	https://www.cnnindonesia.com/ekonomi/20250120120402-78-1189151/pengguna-paylater-tembus-16-juta-orang-terbanyak-di-jabar-perempuan	https://www.cnnindonesia.com/ekonomi/20250120120402-78-1189151/pengguna-paylater-tembus-16-juta-orang-terbanyak-di-jabar-perempuan	PROPN
easat-9223	429	5	https://www.cnnindonesia.com/ekonomi/20250120120402-78-1189151/pengguna-paylater-tembus-16-juta-orang-terbanyak-di-jabar-perempuan	https://www.cnnindonesia.com/ekonomi/20250120120402-78-1189151/pengguna-paylater-tembus-16-juta-orang-terbanyak-di-jabar-perempuan	PROPN
easat-9223	429	6	https://doi.org/10.26740/jim.v8n4.p1233-1246	https://doi.org/10.26740/jim.v8n4.p1233-1246	PROPN
easat-9223	429	7	https://doi.org/10.26740/jim.v9n2.p572-586	https://doi.org/10.26740/jim.v9n2.p572-586	PROPN
easat-9223	429	8	111	111	NUM
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easat-9223	429	10	applied	apply	VERB
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easat-9223	429	12	and	and	CCONJ
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easat-9223	429	16	2576	2576	NUM
easat-9223	429	17	-	-	SYM
easat-9223	429	18	8484	8484	NUM
easat-9223	429	19	vol	vol	NOUN
easat-9223	429	20	.	.	PROPN
easat-9223	430	1	9	9	NUM
easat-9223	430	2	,	,	PUNCT
easat-9223	430	3	no	no	INTJ
easat-9223	430	4	.	.	NOUN
easat-9223	430	5	8	8	NUM
easat-9223	430	6	:	:	SYM
easat-9223	430	7	95	95	NUM
easat-9223	430	8	-	-	SYM
easat-9223	430	9	112	112	NUM
easat-9223	430	10	,	,	PUNCT
easat-9223	430	11	2025	2025	NUM
easat-9223	430	12	doi	doi	NOUN
easat-9223	430	13	:	:	PUNCT
easat-9223	430	14	10.55214/2576	10.55214/2576	NUM
easat-9223	430	15	-	-	PUNCT
easat-9223	430	16	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	430	17	©	©	PROPN
easat-9223	430	18	2025	2025	NUM
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easat-9223	430	20	the	the	DET
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easat-9223	430	24	learning	learning	NOUN
easat-9223	430	25	gate	gate	NOUN
easat-9223	431	1	[	[	X
easat-9223	431	2	11	11	NUM
easat-9223	431	3	]	]	PUNCT
easat-9223	431	4	l.	l.	PROPN
easat-9223	431	5	r.	r.	PROPN
easat-9223	431	6	loppies	loppies	PROPN
easat-9223	431	7	,	,	PUNCT
easat-9223	431	8	a.	a.	NOUN
easat-9223	431	9	asnawi	asnawi	NOUN
easat-9223	431	10	,	,	PUNCT
easat-9223	431	11	and	and	CCONJ
easat-9223	431	12	t.	t.	PROPN
easat-9223	431	13	c.	c.	PROPN
easat-9223	431	14	leasiwal	leasiwal	PROPN
easat-9223	431	15	,	,	PUNCT
easat-9223	431	16	"	"	PUNCT
easat-9223	431	17	the	the	DET
easat-9223	431	18	influence	influence	NOUN
easat-9223	431	19	of	of	ADP
easat-9223	431	20	financial	financial	ADJ
easat-9223	431	21	management	management	NOUN
easat-9223	431	22	skills	skill	NOUN
easat-9223	431	23	and	and	CCONJ
easat-9223	431	24	entrepreneurial	entrepreneurial	ADJ
easat-9223	431	25	spirit	spirit	NOUN
easat-9223	431	26	on	on	ADP
easat-9223	431	27	the	the	DET
easat-9223	431	28	success	success	NOUN
easat-9223	431	29	of	of	ADP
easat-9223	431	30	student	student	NOUN
easat-9223	431	31	entrepreneurship	entrepreneurship	NOUN
easat-9223	431	32	programs	program	NOUN
easat-9223	431	33	in	in	ADP
easat-9223	431	34	maluku	maluku	PROPN
easat-9223	431	35	,	,	PUNCT
easat-9223	431	36	"	"	PUNCT
easat-9223	431	37	manis	manis	PROPN
easat-9223	431	38	:	:	PUNCT
easat-9223	431	39	jurnal	jurnal	ADJ
easat-9223	431	40	manajemen	manajeman	NOUN
easat-9223	431	41	dan	dan	PROPN
easat-9223	431	42	bisnis	bisnis	PROPN
easat-9223	431	43	,	,	PUNCT
easat-9223	431	44	vol	vol	NOUN
easat-9223	431	45	.	.	PROPN
easat-9223	431	46	5	5	NUM
easat-9223	431	47	,	,	PUNCT
easat-9223	431	48	no	no	INTJ
easat-9223	431	49	.	.	NOUN
easat-9223	431	50	2	2	NUM
easat-9223	431	51	,	,	PUNCT
easat-9223	431	52	pp	pp	ADJ
easat-9223	431	53	.	.	PUNCT
easat-9223	432	1	67	67	NUM
easat-9223	432	2	-	-	SYM
easat-9223	432	3	81	81	NUM
easat-9223	432	4	,	,	PUNCT
easat-9223	432	5	2023	2023	NUM
easat-9223	432	6	.	.	PUNCT
easat-9223	433	1	[	[	X
easat-9223	433	2	12	12	NUM
easat-9223	433	3	]	]	X
easat-9223	433	4	d.	d.	PROPN
easat-9223	433	5	r.	r.	PROPN
easat-9223	433	6	pulungan	pulungan	PROPN
easat-9223	433	7	and	and	CCONJ
easat-9223	433	8	h.	h.	PROPN
easat-9223	433	9	febriaty	febriaty	PROPN
easat-9223	433	10	,	,	PUNCT
easat-9223	433	11	"	"	PUNCT
easat-9223	433	12	the	the	DET
easat-9223	433	13	influence	influence	NOUN
easat-9223	433	14	of	of	ADP
easat-9223	433	15	lifestyle	lifestyle	NOUN
easat-9223	433	16	and	and	CCONJ
easat-9223	433	17	financial	financial	ADJ
easat-9223	433	18	literacy	literacy	NOUN
easat-9223	433	19	on	on	ADP
easat-9223	433	20	students	student	NOUN
easat-9223	433	21	'	'	PART
easat-9223	433	22	consumer	consumer	NOUN
easat-9223	433	23	behavior	behavior	NOUN
easat-9223	433	24	,	,	PUNCT
easat-9223	433	25	"	"	PUNCT
easat-9223	433	26	jurnal	jurnal	ADJ
easat-9223	433	27	riset	riset	PROPN
easat-9223	433	28	sains	sains	PROPN
easat-9223	433	29	manajemen	manajeman	NOUN
easat-9223	433	30	,	,	PUNCT
easat-9223	433	31	vol	vol	NOUN
easat-9223	433	32	.	.	PROPN
easat-9223	433	33	2	2	NUM
easat-9223	433	34	,	,	PUNCT
easat-9223	433	35	no	no	INTJ
easat-9223	433	36	.	.	NOUN
easat-9223	433	37	3	3	NUM
easat-9223	433	38	,	,	PUNCT
easat-9223	433	39	pp	pp	ADJ
easat-9223	433	40	.	.	PUNCT
easat-9223	433	41	103	103	NUM
easat-9223	433	42	-	-	SYM
easat-9223	433	43	110	110	NUM
easat-9223	433	44	,	,	PUNCT
easat-9223	433	45	2018	2018	NUM
easat-9223	433	46	.	.	PUNCT
easat-9223	434	1	[	[	X
easat-9223	434	2	13	13	NUM
easat-9223	434	3	]	]	X
easat-9223	434	4	n.	n.	NOUN
easat-9223	434	5	sari	sari	NOUN
easat-9223	434	6	,	,	PUNCT
easat-9223	434	7	"	"	PUNCT
easat-9223	434	8	the	the	DET
easat-9223	434	9	influence	influence	NOUN
easat-9223	434	10	of	of	ADP
easat-9223	434	11	financial	financial	ADJ
easat-9223	434	12	literacy	literacy	NOUN
easat-9223	434	13	,	,	PUNCT
easat-9223	434	14	locus	locus	NOUN
easat-9223	434	15	of	of	ADP
easat-9223	434	16	control	control	NOUN
easat-9223	434	17	,	,	PUNCT
easat-9223	434	18	lifestyle	lifestyle	NOUN
easat-9223	434	19	,	,	PUNCT
easat-9223	434	20	and	and	CCONJ
easat-9223	434	21	gender	gender	NOUN
easat-9223	434	22	on	on	ADP
easat-9223	434	23	the	the	DET
easat-9223	434	24	financial	financial	ADJ
easat-9223	434	25	management	management	NOUN
easat-9223	434	26	behavior	behavior	NOUN
easat-9223	434	27	of	of	ADP
easat-9223	434	28	students	student	NOUN
easat-9223	434	29	at	at	ADP
easat-9223	434	30	surabaya	surabaya	PROPN
easat-9223	434	31	state	state	PROPN
easat-9223	434	32	university	university	PROPN
easat-9223	434	33	,	,	PUNCT
easat-9223	434	34	"	"	PUNCT
easat-9223	434	35	jurnal	jurnal	ADJ
easat-9223	434	36	ilmu	ilmu	PROPN
easat-9223	434	37	manajemen	manajeman	NOUN
easat-9223	434	38	,	,	PUNCT
easat-9223	434	39	vol	vol	NOUN
easat-9223	434	40	.	.	PROPN
easat-9223	434	41	9	9	NUM
easat-9223	434	42	,	,	PUNCT
easat-9223	434	43	no	no	INTJ
easat-9223	434	44	.	.	NOUN
easat-9223	434	45	2	2	NUM
easat-9223	434	46	,	,	PUNCT
easat-9223	434	47	p.	p.	NOUN
easat-9223	434	48	670	670	NUM
easat-9223	434	49	,	,	PUNCT
easat-9223	434	50	2021	2021	NUM
easat-9223	434	51	.	.	PUNCT
easat-9223	435	1	[	[	X
easat-9223	435	2	14	14	NUM
easat-9223	435	3	]	]	X
easat-9223	435	4	r.	r.	PROPN
easat-9223	435	5	mutmainah	mutmainah	PROPN
easat-9223	435	6	dwi	dwi	PROPN
easat-9223	435	7	and	and	CCONJ
easat-9223	435	8	f.	f.	PROPN
easat-9223	435	9	elsye	elsye	PROPN
easat-9223	435	10	,	,	PUNCT
easat-9223	435	11	"	"	PUNCT
easat-9223	435	12	the	the	DET
easat-9223	435	13	influence	influence	NOUN
easat-9223	435	14	of	of	ADP
easat-9223	435	15	lifestyle	lifestyle	NOUN
easat-9223	435	16	and	and	CCONJ
easat-9223	435	17	income	income	NOUN
easat-9223	435	18	on	on	ADP
easat-9223	435	19	financial	financial	ADJ
easat-9223	435	20	management	management	NOUN
easat-9223	435	21	behavior	behavior	NOUN
easat-9223	435	22	,	,	PUNCT
easat-9223	435	23	"	"	PUNCT
easat-9223	435	24	jurnal	jurnal	ADJ
easat-9223	435	25	informatika	informatika	PROPN
easat-9223	435	26	ekonomi	ekonomi	PROPN
easat-9223	435	27	bisnis	bisnis	PROPN
easat-9223	435	28	,	,	PUNCT
easat-9223	435	29	vol	vol	NOUN
easat-9223	435	30	.	.	PROPN
easat-9223	435	31	6	6	NUM
easat-9223	435	32	,	,	PUNCT
easat-9223	435	33	no	no	INTJ
easat-9223	435	34	.	.	NOUN
easat-9223	435	35	3	3	NUM
easat-9223	435	36	,	,	PUNCT
easat-9223	435	37	2024	2024	NUM
easat-9223	435	38	.	.	PUNCT
easat-9223	436	1	https://doi.org/10.37034/infeb.v6i3.906	https://doi.org/10.37034/infeb.v6i3.906	NOUN
easat-9223	436	2	[	[	X
easat-9223	436	3	15	15	NUM
easat-9223	436	4	]	]	X
easat-9223	436	5	j.	j.	PROPN
easat-9223	436	6	b.	b.	PROPN
easat-9223	436	7	rotter	rotter	PROPN
easat-9223	436	8	,	,	PUNCT
easat-9223	436	9	"	"	PUNCT
easat-9223	436	10	generalized	generalized	ADJ
easat-9223	436	11	expectancies	expectancy	NOUN
easat-9223	436	12	for	for	ADP
easat-9223	436	13	internal	internal	ADJ
easat-9223	436	14	versus	versus	ADP
easat-9223	436	15	external	external	ADJ
easat-9223	436	16	control	control	NOUN
easat-9223	436	17	of	of	ADP
easat-9223	436	18	reinforcement	reinforcement	NOUN
easat-9223	436	19	,	,	PUNCT
easat-9223	436	20	"	"	PUNCT
easat-9223	436	21	psychological	psychological	ADJ
easat-9223	436	22	monographs	monograph	NOUN
easat-9223	436	23	:	:	PUNCT
easat-9223	436	24	general	general	ADJ
easat-9223	436	25	and	and	CCONJ
easat-9223	436	26	applied	apply	VERB
easat-9223	436	27	,	,	PUNCT
easat-9223	436	28	vol	vol	NOUN
easat-9223	436	29	.	.	PROPN
easat-9223	436	30	80	80	NUM
easat-9223	436	31	,	,	PUNCT
easat-9223	436	32	no	no	INTJ
easat-9223	436	33	.	.	NOUN
easat-9223	436	34	1	1	NUM
easat-9223	436	35	,	,	PUNCT
easat-9223	436	36	pp	pp	ADJ
easat-9223	436	37	.	.	PUNCT
easat-9223	437	1	1–28	1–28	NOUN
easat-9223	437	2	,	,	PUNCT
easat-9223	437	3	1966	1966	NUM
easat-9223	437	4	.	.	PUNCT
easat-9223	438	1	[	[	X
easat-9223	438	2	16	16	NUM
easat-9223	438	3	]	]	PUNCT
easat-9223	438	4	m.	m.	NOUN
easat-9223	438	5	muntafiah	muntafiah	PROPN
easat-9223	438	6	and	and	CCONJ
easat-9223	438	7	m.	m.	PROPN
easat-9223	438	8	r.	r.	PROPN
easat-9223	438	9	assyarofi	assyarofi	ADV
easat-9223	438	10	,	,	PUNCT
easat-9223	438	11	"	"	PUNCT
easat-9223	438	12	locus	locus	NOUN
easat-9223	438	13	of	of	ADP
easat-9223	438	14	control	control	NOUN
easat-9223	438	15	mediation	mediation	NOUN
easat-9223	438	16	:	:	PUNCT
easat-9223	438	17	effect	effect	NOUN
easat-9223	438	18	of	of	ADP
easat-9223	438	19	financial	financial	ADJ
easat-9223	438	20	knowledge	knowledge	NOUN
easat-9223	438	21	and	and	CCONJ
easat-9223	438	22	financial	financial	ADJ
easat-9223	438	23	attitude	attitude	NOUN
easat-9223	438	24	on	on	ADP
easat-9223	438	25	financial	financial	ADJ
easat-9223	438	26	management	management	NOUN
easat-9223	438	27	behavior	behavior	NOUN
easat-9223	438	28	,	,	PUNCT
easat-9223	438	29	"	"	PUNCT
easat-9223	438	30	ekoma	ekoma	NOUN
easat-9223	438	31	:	:	PUNCT
easat-9223	438	32	jurnal	jurnal	ADJ
easat-9223	438	33	ekonomi	ekonomi	PROPN
easat-9223	438	34	,	,	PUNCT
easat-9223	438	35	manajemen	manajeman	NOUN
easat-9223	438	36	,	,	PUNCT
easat-9223	438	37	akuntansi	akuntansi	PROPN
easat-9223	438	38	,	,	PUNCT
easat-9223	438	39	vol	vol	NOUN
easat-9223	438	40	.	.	PROPN
easat-9223	439	1	4	4	NUM
easat-9223	439	2	,	,	PUNCT
easat-9223	439	3	no	no	INTJ
easat-9223	439	4	.	.	NOUN
easat-9223	439	5	1	1	NUM
easat-9223	439	6	,	,	PUNCT
easat-9223	439	7	pp	pp	ADJ
easat-9223	439	8	.	.	PUNCT
easat-9223	440	1	22	22	NUM
easat-9223	440	2	-	-	SYM
easat-9223	440	3	34	34	NUM
easat-9223	440	4	,	,	PUNCT
easat-9223	440	5	2024	2024	NUM
easat-9223	440	6	.	.	PUNCT
easat-9223	441	1	[	[	X
easat-9223	441	2	17	17	NUM
easat-9223	441	3	]	]	PUNCT
easat-9223	441	4	t.	t.	PROPN
easat-9223	441	5	e.	e.	PROPN
easat-9223	441	6	pradiningtyas	pradiningtyas	PROPN
easat-9223	441	7	and	and	CCONJ
easat-9223	441	8	f.	f.	PROPN
easat-9223	441	9	lukiastuti	lukiastuti	PROPN
easat-9223	441	10	,	,	PUNCT
easat-9223	441	11	"	"	PUNCT
easat-9223	441	12	the	the	DET
easat-9223	441	13	influence	influence	NOUN
easat-9223	441	14	of	of	ADP
easat-9223	441	15	financial	financial	ADJ
easat-9223	441	16	knowledge	knowledge	NOUN
easat-9223	441	17	and	and	CCONJ
easat-9223	441	18	financial	financial	ADJ
easat-9223	441	19	attitude	attitude	NOUN
easat-9223	441	20	on	on	ADP
easat-9223	441	21	locus	locus	NOUN
easat-9223	441	22	of	of	ADP
easat-9223	441	23	control	control	NOUN
easat-9223	441	24	and	and	CCONJ
easat-9223	441	25	financial	financial	ADJ
easat-9223	441	26	management	management	NOUN
easat-9223	441	27	behavior	behavior	NOUN
easat-9223	441	28	of	of	ADP
easat-9223	441	29	economics	economics	NOUN
easat-9223	441	30	students	student	NOUN
easat-9223	441	31	,	,	PUNCT
easat-9223	441	32	"	"	PUNCT
easat-9223	441	33	jurnal	jurnal	ADJ
easat-9223	441	34	minds	mind	NOUN
easat-9223	441	35	:	:	PUNCT
easat-9223	441	36	manajemen	manajeman	NOUN
easat-9223	441	37	ide	ide	PROPN
easat-9223	441	38	dan	dan	PROPN
easat-9223	441	39	inspirasi	inspirasi	PROPN
easat-9223	441	40	,	,	PUNCT
easat-9223	441	41	vol	vol	NOUN
easat-9223	441	42	.	.	PROPN
easat-9223	441	43	6	6	NUM
easat-9223	441	44	,	,	PUNCT
easat-9223	441	45	no	no	INTJ
easat-9223	441	46	.	.	NOUN
easat-9223	441	47	1	1	NUM
easat-9223	441	48	,	,	PUNCT
easat-9223	441	49	pp	pp	ADJ
easat-9223	441	50	.	.	PUNCT
easat-9223	442	1	96	96	NUM
easat-9223	442	2	-	-	SYM
easat-9223	442	3	112	112	NUM
easat-9223	442	4	,	,	PUNCT
easat-9223	442	5	2019	2019	NUM
easat-9223	442	6	.	.	PUNCT
easat-9223	443	1	https://doi.org/10.24252/minds.v6i1.9274	https://doi.org/10.24252/minds.v6i1.9274	X
easat-9223	443	2	[	[	X
easat-9223	443	3	18	18	NUM
easat-9223	443	4	]	]	PUNCT
easat-9223	443	5	m.	m.	NOUN
easat-9223	443	6	a.	a.	PROPN
easat-9223	443	7	hilgert	hilgert	PROPN
easat-9223	443	8	,	,	PUNCT
easat-9223	443	9	j.	j.	PROPN
easat-9223	443	10	m.	m.	PROPN
easat-9223	443	11	hogarth	hogarth	PROPN
easat-9223	443	12	,	,	PUNCT
easat-9223	443	13	and	and	CCONJ
easat-9223	443	14	s.	s.	PROPN
easat-9223	443	15	g.	g.	PROPN
easat-9223	443	16	beverly	beverly	PROPN
easat-9223	443	17	,	,	PUNCT
easat-9223	443	18	"	"	PUNCT
easat-9223	443	19	household	household	NOUN
easat-9223	443	20	financial	financial	ADJ
easat-9223	443	21	management	management	NOUN
easat-9223	443	22	:	:	PUNCT
easat-9223	443	23	the	the	DET
easat-9223	443	24	connection	connection	NOUN
easat-9223	443	25	between	between	ADP
easat-9223	443	26	knowledge	knowledge	NOUN
easat-9223	443	27	and	and	CCONJ
easat-9223	443	28	behavior	behavior	NOUN
easat-9223	443	29	,	,	PUNCT
easat-9223	443	30	"	"	PUNCT
easat-9223	443	31	federal	federal	PROPN
easat-9223	443	32	reserve	reserve	PROPN
easat-9223	443	33	bulletin	bulletin	PROPN
easat-9223	443	34	,	,	PUNCT
easat-9223	443	35	vol	vol	NOUN
easat-9223	443	36	.	.	PROPN
easat-9223	443	37	87	87	NUM
easat-9223	443	38	,	,	PUNCT
easat-9223	443	39	pp	pp	ADJ
easat-9223	443	40	.	.	PUNCT
easat-9223	444	1	445–457	445–457	NUM
easat-9223	444	2	,	,	PUNCT
easat-9223	444	3	2002	2002	NUM
easat-9223	444	4	.	.	PUNCT
easat-9223	445	1	[	[	X
easat-9223	445	2	19	19	NUM
easat-9223	445	3	]	]	X
easat-9223	445	4	d.	d.	PROPN
easat-9223	445	5	bapat	bapat	PROPN
easat-9223	445	6	,	,	PUNCT
easat-9223	445	7	"	"	PUNCT
easat-9223	445	8	antecedents	antecedent	NOUN
easat-9223	445	9	to	to	ADP
easat-9223	445	10	responsible	responsible	ADJ
easat-9223	445	11	financial	financial	ADJ
easat-9223	445	12	management	management	NOUN
easat-9223	445	13	behavior	behavior	NOUN
easat-9223	445	14	among	among	ADP
easat-9223	445	15	young	young	ADJ
easat-9223	445	16	adults	adult	NOUN
easat-9223	445	17	:	:	PUNCT
easat-9223	445	18	moderating	moderate	VERB
easat-9223	445	19	role	role	NOUN
easat-9223	445	20	of	of	ADP
easat-9223	445	21	financial	financial	ADJ
easat-9223	445	22	risk	risk	NOUN
easat-9223	445	23	tolerance	tolerance	NOUN
easat-9223	445	24	,	,	PUNCT
easat-9223	445	25	"	"	PUNCT
easat-9223	445	26	international	international	ADJ
easat-9223	445	27	journal	journal	NOUN
easat-9223	445	28	of	of	ADP
easat-9223	445	29	bank	bank	PROPN
easat-9223	445	30	marketing	marketing	NOUN
easat-9223	445	31	,	,	PUNCT
easat-9223	445	32	vol	vol	NOUN
easat-9223	445	33	.	.	PROPN
easat-9223	446	1	38	38	NUM
easat-9223	446	2	,	,	PUNCT
easat-9223	446	3	no	no	INTJ
easat-9223	446	4	.	.	NOUN
easat-9223	446	5	5	5	NUM
easat-9223	446	6	,	,	PUNCT
easat-9223	446	7	pp	pp	ADJ
easat-9223	446	8	.	.	PUNCT
easat-9223	447	1	1177	1177	NUM
easat-9223	447	2	-	-	SYM
easat-9223	447	3	1194	1194	NUM
easat-9223	447	4	,	,	PUNCT
easat-9223	447	5	2020	2020	NUM
easat-9223	447	6	.	.	PUNCT
easat-9223	448	1	[	[	X
easat-9223	448	2	20	20	NUM
easat-9223	448	3	]	]	X
easat-9223	448	4	v.	v.	PROPN
easat-9223	448	5	g.	g.	PROPN
easat-9223	448	6	perry	perry	PROPN
easat-9223	448	7	and	and	CCONJ
easat-9223	448	8	m.	m.	PROPN
easat-9223	448	9	d.	d.	PROPN
easat-9223	448	10	morris	morris	PROPN
easat-9223	448	11	,	,	PUNCT
easat-9223	448	12	"	"	PUNCT
easat-9223	448	13	who	who	PRON
easat-9223	448	14	is	be	AUX
easat-9223	448	15	in	in	ADP
easat-9223	448	16	control	control	NOUN
easat-9223	448	17	?	?	PUNCT
easat-9223	449	1	the	the	DET
easat-9223	449	2	role	role	NOUN
easat-9223	449	3	of	of	ADP
easat-9223	449	4	self‐perception	self‐perception	NOUN
easat-9223	449	5	,	,	PUNCT
easat-9223	449	6	knowledge	knowledge	NOUN
easat-9223	449	7	,	,	PUNCT
easat-9223	449	8	and	and	CCONJ
easat-9223	449	9	income	income	NOUN
easat-9223	449	10	in	in	ADP
easat-9223	449	11	explaining	explain	VERB
easat-9223	449	12	consumer	consumer	NOUN
easat-9223	449	13	financial	financial	ADJ
easat-9223	449	14	behavior	behavior	NOUN
easat-9223	449	15	,	,	PUNCT
easat-9223	449	16	"	"	PUNCT
easat-9223	449	17	journal	journal	NOUN
easat-9223	449	18	of	of	ADP
easat-9223	449	19	consumer	consumer	NOUN
easat-9223	449	20	affairs	affair	NOUN
easat-9223	449	21	,	,	PUNCT
easat-9223	449	22	vol	vol	NOUN
easat-9223	449	23	.	.	PROPN
easat-9223	449	24	39	39	NUM
easat-9223	449	25	,	,	PUNCT
easat-9223	449	26	no	no	INTJ
easat-9223	449	27	.	.	NOUN
easat-9223	449	28	2	2	NUM
easat-9223	449	29	,	,	PUNCT
easat-9223	449	30	pp	pp	ADJ
easat-9223	449	31	.	.	PUNCT
easat-9223	450	1	299	299	NUM
easat-9223	450	2	-	-	SYM
easat-9223	450	3	313	313	NUM
easat-9223	450	4	,	,	PUNCT
easat-9223	450	5	2005	2005	NUM
easat-9223	450	6	.	.	PUNCT
easat-9223	451	1	[	[	X
easat-9223	451	2	21	21	NUM
easat-9223	451	3	]	]	X
easat-9223	451	4	g.	g.	PROPN
easat-9223	451	5	sangari	sangari	PROPN
easat-9223	451	6	andrew	andrew	PROPN
easat-9223	451	7	and	and	CCONJ
easat-9223	451	8	p.	p.	PROPN
easat-9223	451	9	s.	s.	PROPN
easat-9223	451	10	novie	novie	PROPN
easat-9223	451	11	,	,	PUNCT
easat-9223	451	12	"	"	PUNCT
easat-9223	451	13	the	the	DET
easat-9223	451	14	influence	influence	NOUN
easat-9223	451	15	of	of	ADP
easat-9223	451	16	financial	financial	ADJ
easat-9223	451	17	attitude	attitude	NOUN
easat-9223	451	18	and	and	CCONJ
easat-9223	451	19	financial	financial	ADJ
easat-9223	451	20	knowledge	knowledge	NOUN
easat-9223	451	21	on	on	ADP
easat-9223	451	22	financial	financial	ADJ
easat-9223	451	23	management	management	NOUN
easat-9223	451	24	behavior	behavior	NOUN
easat-9223	451	25	moderated	moderate	VERB
easat-9223	451	26	by	by	ADP
easat-9223	451	27	locus	locus	NOUN
easat-9223	451	28	of	of	ADP
easat-9223	451	29	control	control	NOUN
easat-9223	451	30	in	in	ADP
easat-9223	451	31	generation	generation	NOUN
easat-9223	451	32	z	z	NOUN
easat-9223	451	33	,	,	PUNCT
easat-9223	451	34	"	"	PUNCT
easat-9223	451	35	jurnal	jurnal	PROPN
easat-9223	451	36	multidisiplin	multidisiplin	PROPN
easat-9223	451	37	madani	madani	PROPN
easat-9223	451	38	,	,	PUNCT
easat-9223	451	39	vol	vol	NOUN
easat-9223	451	40	.	.	PROPN
easat-9223	451	41	2	2	NUM
easat-9223	451	42	,	,	PUNCT
easat-9223	451	43	no	no	INTJ
easat-9223	451	44	.	.	NOUN
easat-9223	451	45	12	12	NUM
easat-9223	451	46	,	,	PUNCT
easat-9223	451	47	pp	pp	ADJ
easat-9223	451	48	.	.	PUNCT
easat-9223	451	49	4141	4141	NUM
easat-9223	451	50	-	-	SYM
easat-9223	451	51	4150	4150	NUM
easat-9223	451	52	,	,	PUNCT
easat-9223	451	53	2022	2022	NUM
easat-9223	451	54	.	.	PUNCT
easat-9223	452	1	https://doi.org/10.55927/mudima.v2i12.1966	https://doi.org/10.55927/mudima.v2i12.1966	ADJ
easat-9223	452	2	[	[	X
easat-9223	452	3	22	22	NUM
easat-9223	452	4	]	]	PUNCT
easat-9223	452	5	i.	i.	NOUN
easat-9223	452	6	ajzen	ajzen	PROPN
easat-9223	452	7	,	,	PUNCT
easat-9223	452	8	"	"	PUNCT
easat-9223	452	9	the	the	DET
easat-9223	452	10	theory	theory	NOUN
easat-9223	452	11	of	of	ADP
easat-9223	452	12	planned	plan	VERB
easat-9223	452	13	behavior	behavior	NOUN
easat-9223	452	14	,	,	PUNCT
easat-9223	452	15	"	"	PUNCT
easat-9223	452	16	organizational	organizational	ADJ
easat-9223	452	17	behavior	behavior	NOUN
easat-9223	452	18	and	and	CCONJ
easat-9223	452	19	human	human	ADJ
easat-9223	452	20	decision	decision	NOUN
easat-9223	452	21	processes	process	NOUN
easat-9223	452	22	,	,	PUNCT
easat-9223	452	23	vol	vol	NOUN
easat-9223	452	24	.	.	PROPN
easat-9223	453	1	50	50	NUM
easat-9223	453	2	,	,	PUNCT
easat-9223	453	3	no	no	INTJ
easat-9223	453	4	.	.	NOUN
easat-9223	453	5	2	2	NUM
easat-9223	453	6	,	,	PUNCT
easat-9223	453	7	pp	pp	ADJ
easat-9223	453	8	.	.	PUNCT
easat-9223	454	1	179	179	NUM
easat-9223	454	2	-	-	SYM
easat-9223	454	3	211	211	NUM
easat-9223	454	4	,	,	PUNCT
easat-9223	454	5	1991	1991	NUM
easat-9223	454	6	.	.	PUNCT
easat-9223	455	1	https://doi.org/10.1016/0749-5978(91)90020-t	https://doi.org/10.1016/0749-5978(91)90020-t	PROPN
easat-9223	456	1	[	[	X
easat-9223	456	2	23	23	NUM
easat-9223	456	3	]	]	X
easat-9223	456	4	e.	e.	PROPN
easat-9223	456	5	amanah	amanah	PROPN
easat-9223	456	6	,	,	PUNCT
easat-9223	456	7	a.	a.	NOUN
easat-9223	456	8	iradianty	iradianty	PROPN
easat-9223	456	9	,	,	PUNCT
easat-9223	456	10	and	and	CCONJ
easat-9223	456	11	d.	d.	PROPN
easat-9223	456	12	rahardian	rahardian	PROPN
easat-9223	456	13	,	,	PUNCT
easat-9223	456	14	"	"	PUNCT
easat-9223	456	15	the	the	DET
easat-9223	456	16	influence	influence	NOUN
easat-9223	456	17	of	of	ADP
easat-9223	456	18	financial	financial	ADJ
easat-9223	456	19	knowledge	knowledge	NOUN
easat-9223	456	20	,	,	PUNCT
easat-9223	456	21	financial	financial	ADJ
easat-9223	456	22	attitude	attitude	NOUN
easat-9223	456	23	,	,	PUNCT
easat-9223	456	24	and	and	CCONJ
easat-9223	456	25	external	external	ADJ
easat-9223	456	26	locus	locus	NOUN
easat-9223	456	27	of	of	ADP
easat-9223	456	28	control	control	NOUN
easat-9223	456	29	on	on	ADP
easat-9223	456	30	personal	personal	ADJ
easat-9223	456	31	financial	financial	ADJ
easat-9223	456	32	management	management	NOUN
easat-9223	456	33	behavior	behavior	NOUN
easat-9223	456	34	:	:	PUNCT
easat-9223	456	35	case	case	NOUN
easat-9223	456	36	study	study	NOUN
easat-9223	456	37	of	of	ADP
easat-9223	456	38	bachelor	bachelor	NOUN
easat-9223	456	39	degree	degree	NOUN
easat-9223	456	40	student	student	NOUN
easat-9223	456	41	in	in	ADP
easat-9223	456	42	telkom	telkom	PROPN
easat-9223	456	43	university	university	NOUN
easat-9223	456	44	,	,	PUNCT
easat-9223	456	45	"	"	PUNCT
easat-9223	456	46	e	e	NOUN
easat-9223	456	47	-	-	NOUN
easat-9223	456	48	proceeding	proceeding	NOUN
easat-9223	456	49	of	of	ADP
easat-9223	456	50	management	management	NOUN
easat-9223	456	51	,	,	PUNCT
easat-9223	456	52	vol	vol	NOUN
easat-9223	456	53	.	.	PROPN
easat-9223	457	1	3	3	NUM
easat-9223	457	2	,	,	PUNCT
easat-9223	457	3	no	no	INTJ
easat-9223	457	4	.	.	NOUN
easat-9223	457	5	2	2	NUM
easat-9223	457	6	,	,	PUNCT
easat-9223	457	7	pp	pp	ADJ
easat-9223	457	8	.	.	PUNCT
easat-9223	458	1	1228–1235	1228–1235	NUM
easat-9223	458	2	,	,	PUNCT
easat-9223	458	3	2016	2016	NUM
easat-9223	458	4	.	.	PUNCT
easat-9223	459	1	[	[	X
easat-9223	459	2	24	24	NUM
easat-9223	459	3	]	]	PUNCT
easat-9223	459	4	a.	a.	NOUN
easat-9223	459	5	safitri	safitri	PROPN
easat-9223	459	6	and	and	CCONJ
easat-9223	459	7	b.	b.	PROPN
easat-9223	459	8	r.	r.	PROPN
easat-9223	459	9	kartawinata	kartawinata	PROPN
easat-9223	459	10	,	,	PUNCT
easat-9223	459	11	"	"	PUNCT
easat-9223	459	12	the	the	DET
easat-9223	459	13	effect	effect	NOUN
easat-9223	459	14	of	of	ADP
easat-9223	459	15	financial	financial	ADJ
easat-9223	459	16	socialization	socialization	NOUN
easat-9223	459	17	and	and	CCONJ
easat-9223	459	18	financial	financial	ADJ
easat-9223	459	19	experience	experience	NOUN
easat-9223	459	20	on	on	ADP
easat-9223	459	21	financial	financial	ADJ
easat-9223	459	22	management	management	NOUN
easat-9223	459	23	behavior	behavior	NOUN
easat-9223	459	24	:	:	PUNCT
easat-9223	459	25	(	(	PUNCT
easat-9223	459	26	a	a	DET
easat-9223	459	27	study	study	NOUN
easat-9223	459	28	on	on	ADP
easat-9223	459	29	working	work	VERB
easat-9223	459	30	women	woman	NOUN
easat-9223	459	31	in	in	ADP
easat-9223	459	32	bandung	bandung	PROPN
easat-9223	459	33	city	city	PROPN
easat-9223	459	34	)	)	PUNCT
easat-9223	459	35	,	,	PUNCT
easat-9223	459	36	"	"	PUNCT
easat-9223	459	37	jurnal	jurnal	ADJ
easat-9223	459	38	ilmu	ilmu	PROPN
easat-9223	459	39	keuangan	keuangan	PROPN
easat-9223	459	40	dan	dan	PROPN
easat-9223	459	41	perbankan	perbankan	PROPN
easat-9223	459	42	(	(	PUNCT
easat-9223	459	43	jika	jika	PROPN
easat-9223	459	44	)	)	PUNCT
easat-9223	459	45	,	,	PUNCT
easat-9223	459	46	vol	vol	NOUN
easat-9223	459	47	.	.	PROPN
easat-9223	459	48	9	9	NUM
easat-9223	459	49	,	,	PUNCT
easat-9223	459	50	no	no	INTJ
easat-9223	459	51	.	.	NOUN
easat-9223	459	52	2	2	NUM
easat-9223	459	53	,	,	PUNCT
easat-9223	459	54	pp	pp	ADJ
easat-9223	459	55	.	.	PUNCT
easat-9223	460	1	157	157	NUM
easat-9223	460	2	-	-	SYM
easat-9223	460	3	170	170	NUM
easat-9223	460	4	,	,	PUNCT
easat-9223	460	5	2020	2020	NUM
easat-9223	460	6	.	.	PUNCT
easat-9223	461	1	https://doi.org/10.34010/jika.v9i2.2987	https://doi.org/10.34010/jika.v9i2.2987	X
easat-9223	461	2	[	[	X
easat-9223	461	3	25	25	NUM
easat-9223	461	4	]	]	X
easat-9223	461	5	i.	i.	PROPN
easat-9223	461	6	ida	ida	PROPN
easat-9223	461	7	and	and	CCONJ
easat-9223	461	8	c.	c.	PROPN
easat-9223	461	9	y.	y.	PROPN
easat-9223	461	10	dwinta	dwinta	PROPN
easat-9223	461	11	,	,	PUNCT
easat-9223	461	12	"	"	PUNCT
easat-9223	461	13	pengaruh	pengaruh	NOUN
easat-9223	461	14	locus	locus	NOUN
easat-9223	461	15	of	of	ADP
easat-9223	461	16	control	control	NOUN
easat-9223	461	17	,	,	PUNCT
easat-9223	461	18	financial	financial	ADJ
easat-9223	461	19	knowledge	knowledge	NOUN
easat-9223	461	20	,	,	PUNCT
easat-9223	461	21	income	income	NOUN
easat-9223	461	22	terhadap	terhadap	PROPN
easat-9223	461	23	financial	financial	PROPN
easat-9223	461	24	management	management	NOUN
easat-9223	461	25	behavior	behavior	NOUN
easat-9223	461	26	,	,	PUNCT
easat-9223	461	27	"	"	PUNCT
easat-9223	461	28	jurnal	jurnal	ADJ
easat-9223	461	29	bisnis	bisnis	PROPN
easat-9223	461	30	dan	dan	PROPN
easat-9223	461	31	akuntansi	akuntansi	PROPN
easat-9223	461	32	,	,	PUNCT
easat-9223	461	33	vol	vol	NOUN
easat-9223	461	34	.	.	PROPN
easat-9223	461	35	12	12	NUM
easat-9223	461	36	,	,	PUNCT
easat-9223	461	37	no	no	INTJ
easat-9223	461	38	.	.	NOUN
easat-9223	461	39	3	3	NUM
easat-9223	461	40	,	,	PUNCT
easat-9223	461	41	p.	p.	NOUN
easat-9223	461	42	321621	321621	NUM
easat-9223	461	43	,	,	PUNCT
easat-9223	461	44	2010	2010	NUM
easat-9223	461	45	.	.	PUNCT
easat-9223	462	1	[	[	X
easat-9223	462	2	26	26	NUM
easat-9223	462	3	]	]	X
easat-9223	462	4	oecd	oecd	PROPN
easat-9223	462	5	,	,	PUNCT
easat-9223	462	6	improving	improve	VERB
easat-9223	462	7	financial	financial	ADJ
easat-9223	462	8	literacy	literacy	NOUN
easat-9223	462	9	:	:	PUNCT
easat-9223	462	10	analysis	analysis	NOUN
easat-9223	462	11	of	of	ADP
easat-9223	462	12	issues	issue	NOUN
easat-9223	462	13	and	and	CCONJ
easat-9223	462	14	policies	policy	NOUN
easat-9223	462	15	.	.	PUNCT
easat-9223	463	1	paris	paris	PROPN
easat-9223	463	2	:	:	PUNCT
easat-9223	464	1	oecd	oecd	PROPN
easat-9223	464	2	publishing	publishing	NOUN
easat-9223	464	3	,	,	PUNCT
easat-9223	464	4	2005	2005	NUM
easat-9223	464	5	.	.	PUNCT
easat-9223	465	1	[	[	X
easat-9223	465	2	27	27	NUM
easat-9223	465	3	]	]	X
easat-9223	465	4	w.	w.	NOUN
easat-9223	465	5	setyawan	setyawan	PROPN
easat-9223	465	6	and	and	CCONJ
easat-9223	465	7	s.	s.	PROPN
easat-9223	465	8	wulandari	wulandari	PROPN
easat-9223	465	9	,	,	PUNCT
easat-9223	465	10	"	"	PUNCT
easat-9223	465	11	the	the	DET
easat-9223	465	12	role	role	NOUN
easat-9223	465	13	of	of	ADP
easat-9223	465	14	financial	financial	ADJ
easat-9223	465	15	attitudes	attitude	NOUN
easat-9223	465	16	in	in	ADP
easat-9223	465	17	intervening	intervene	VERB
easat-9223	465	18	the	the	DET
easat-9223	465	19	influence	influence	NOUN
easat-9223	465	20	of	of	ADP
easat-9223	465	21	financial	financial	ADJ
easat-9223	465	22	literacy	literacy	NOUN
easat-9223	465	23	on	on	ADP
easat-9223	465	24	the	the	DET
easat-9223	465	25	financial	financial	ADJ
easat-9223	465	26	management	management	NOUN
easat-9223	465	27	behavior	behavior	NOUN
easat-9223	465	28	of	of	ADP
easat-9223	465	29	workers	worker	NOUN
easat-9223	465	30	in	in	ADP
easat-9223	465	31	cikarang	cikarang	PROPN
easat-9223	465	32	,	,	PUNCT
easat-9223	465	33	"	"	PUNCT
easat-9223	465	34	jurnal	jurnal	ADJ
easat-9223	465	35	sekuritas	sekurita	NOUN
easat-9223	465	36	(	(	PUNCT
easat-9223	465	37	saham	saham	PROPN
easat-9223	465	38	,	,	PUNCT
easat-9223	465	39	ekonomi	ekonomi	PROPN
easat-9223	465	40	,	,	PUNCT
easat-9223	465	41	keuangan	keuangan	VERB
easat-9223	465	42	dan	dan	PROPN
easat-9223	465	43	investasi	investasi	PROPN
easat-9223	465	44	)	)	PUNCT
easat-9223	465	45	,	,	PUNCT
easat-9223	465	46	vol	vol	NOUN
easat-9223	465	47	.	.	PROPN
easat-9223	465	48	4	4	NUM
easat-9223	465	49	,	,	PUNCT
easat-9223	465	50	no	no	INTJ
easat-9223	465	51	.	.	NOUN
easat-9223	465	52	1	1	NUM
easat-9223	465	53	,	,	PUNCT
easat-9223	465	54	p.	p.	NOUN
easat-9223	465	55	15	15	NUM
easat-9223	465	56	,	,	PUNCT
easat-9223	465	57	2020	2020	NUM
easat-9223	465	58	.	.	PUNCT
easat-9223	466	1	https://doi.org/10.32493/skt.v4i1.6435	https://doi.org/10.32493/skt.v4i1.6435	VERB
easat-9223	467	1	[	[	X
easat-9223	467	2	28	28	NUM
easat-9223	467	3	]	]	X
easat-9223	467	4	c.	c.	PROPN
easat-9223	467	5	afandy	afandy	PROPN
easat-9223	467	6	and	and	CCONJ
easat-9223	467	7	f.	f.	PROPN
easat-9223	467	8	f.	f.	PROPN
easat-9223	467	9	niangsih	niangsih	PROPN
easat-9223	467	10	,	,	PUNCT
easat-9223	467	11	"	"	PUNCT
easat-9223	467	12	financial	financial	ADJ
easat-9223	467	13	literacy	literacy	NOUN
easat-9223	467	14	and	and	CCONJ
easat-9223	467	15	personal	personal	ADJ
easat-9223	467	16	financial	financial	ADJ
easat-9223	467	17	management	management	NOUN
easat-9223	467	18	of	of	ADP
easat-9223	467	19	students	student	NOUN
easat-9223	467	20	in	in	ADP
easat-9223	467	21	bengkulu	bengkulu	VERB
easat-9223	467	22	province	province	NOUN
easat-9223	467	23	,	,	PUNCT
easat-9223	467	24	"	"	PUNCT
easat-9223	467	25	the	the	DET
easat-9223	467	26	manager	manager	NOUN
easat-9223	467	27	review	review	NOUN
easat-9223	467	28	,	,	PUNCT
easat-9223	467	29	vol	vol	NOUN
easat-9223	467	30	.	.	PROPN
easat-9223	468	1	2	2	NUM
easat-9223	468	2	,	,	PUNCT
easat-9223	468	3	no	no	INTJ
easat-9223	468	4	.	.	NOUN
easat-9223	468	5	2	2	NUM
easat-9223	468	6	,	,	PUNCT
easat-9223	468	7	pp	pp	ADJ
easat-9223	468	8	.	.	PUNCT
easat-9223	469	1	68	68	NUM
easat-9223	469	2	-	-	SYM
easat-9223	469	3	98	98	NUM
easat-9223	469	4	,	,	PUNCT
easat-9223	469	5	2020	2020	NUM
easat-9223	469	6	.	.	PUNCT
easat-9223	470	1	https://doi.org/10.33369/tmr.v2i2.16329	https://doi.org/10.33369/tmr.v2i2.16329	NOUN
easat-9223	471	1	[	[	X
easat-9223	471	2	29	29	NUM
easat-9223	471	3	]	]	PUNCT
easat-9223	471	4	h.	h.	PROPN
easat-9223	471	5	chen	chen	PROPN
easat-9223	471	6	and	and	CCONJ
easat-9223	471	7	r.	r.	PROPN
easat-9223	471	8	p.	p.	PROPN
easat-9223	471	9	volpe	volpe	PROPN
easat-9223	471	10	,	,	PUNCT
easat-9223	471	11	"	"	PUNCT
easat-9223	471	12	an	an	DET
easat-9223	471	13	analysis	analysis	NOUN
easat-9223	471	14	of	of	ADP
easat-9223	471	15	personal	personal	ADJ
easat-9223	471	16	financial	financial	ADJ
easat-9223	471	17	literacy	literacy	NOUN
easat-9223	471	18	among	among	ADP
easat-9223	471	19	college	college	NOUN
easat-9223	471	20	students	student	NOUN
easat-9223	471	21	,	,	PUNCT
easat-9223	471	22	"	"	PUNCT
easat-9223	471	23	financial	financial	ADJ
easat-9223	471	24	services	service	NOUN
easat-9223	471	25	review	review	NOUN
easat-9223	471	26	,	,	PUNCT
easat-9223	471	27	vol	vol	NOUN
easat-9223	471	28	.	.	PROPN
easat-9223	471	29	7	7	NUM
easat-9223	471	30	,	,	PUNCT
easat-9223	471	31	no	no	INTJ
easat-9223	471	32	.	.	NOUN
easat-9223	471	33	2	2	NUM
easat-9223	471	34	,	,	PUNCT
easat-9223	471	35	pp	pp	ADJ
easat-9223	471	36	.	.	PUNCT
easat-9223	472	1	107	107	NUM
easat-9223	472	2	-	-	SYM
easat-9223	472	3	128	128	NUM
easat-9223	472	4	,	,	PUNCT
easat-9223	472	5	1998	1998	NUM
easat-9223	472	6	.	.	PUNCT
easat-9223	473	1	https://doi.org/10.1016/s1057-0810(99)80006-7	https://doi.org/10.1016/s1057-0810(99)80006-7	PROPN
easat-9223	474	1	[	[	X
easat-9223	474	2	30	30	NUM
easat-9223	474	3	]	]	X
easat-9223	474	4	f.	f.	PROPN
easat-9223	474	5	khairani	khairani	PROPN
easat-9223	474	6	and	and	CCONJ
easat-9223	474	7	m.	m.	PROPN
easat-9223	474	8	f.	f.	PROPN
easat-9223	474	9	alfarisi	alfarisi	PROPN
easat-9223	474	10	,	,	PUNCT
easat-9223	474	11	"	"	PUNCT
easat-9223	474	12	analysis	analysis	NOUN
easat-9223	474	13	of	of	ADP
easat-9223	474	14	the	the	DET
easat-9223	474	15	influence	influence	NOUN
easat-9223	474	16	of	of	ADP
easat-9223	474	17	financial	financial	ADJ
easat-9223	474	18	attitude	attitude	NOUN
easat-9223	474	19	,	,	PUNCT
easat-9223	474	20	financial	financial	ADJ
easat-9223	474	21	knowledge	knowledge	NOUN
easat-9223	474	22	,	,	PUNCT
easat-9223	474	23	parental	parental	ADJ
easat-9223	474	24	education	education	NOUN
easat-9223	474	25	and	and	CCONJ
easat-9223	474	26	parental	parental	ADJ
easat-9223	474	27	income	income	NOUN
easat-9223	474	28	on	on	ADP
easat-9223	474	29	financial	financial	ADJ
easat-9223	474	30	management	management	NOUN
easat-9223	474	31	behavior	behavior	NOUN
easat-9223	474	32	in	in	ADP
easat-9223	474	33	undergraduate	undergraduate	ADJ
easat-9223	474	34	students	student	NOUN
easat-9223	474	35	at	at	ADP
easat-9223	474	36	andalas	andalas	PROPN
easat-9223	474	37	university	university	PROPN
easat-9223	474	38	,	,	PUNCT
easat-9223	474	39	padang	padang	PROPN
easat-9223	474	40	,	,	PUNCT
easat-9223	474	41	"	"	PUNCT
easat-9223	474	42	jurnal	jurnal	ADJ
easat-9223	474	43	ilmiah	ilmiah	PROPN
easat-9223	474	44	mahasiswa	mahasiswa	PROPN
easat-9223	474	45	ekonomi	ekonomi	PROPN
easat-9223	474	46	manajemen	manajeman	NOUN
easat-9223	474	47	,	,	PUNCT
easat-9223	474	48	vol	vol	NOUN
easat-9223	474	49	.	.	PROPN
easat-9223	475	1	4	4	NUM
easat-9223	475	2	,	,	PUNCT
easat-9223	475	3	no	no	INTJ
easat-9223	475	4	.	.	NOUN
easat-9223	475	5	1	1	NUM
easat-9223	475	6	,	,	PUNCT
easat-9223	475	7	pp	pp	ADJ
easat-9223	475	8	.	.	PUNCT
easat-9223	476	1	360–371	360–371	NUM
easat-9223	476	2	,	,	PUNCT
easat-9223	476	3	2019	2019	NUM
easat-9223	476	4	.	.	PUNCT
easat-9223	477	1	[	[	X
easat-9223	477	2	31	31	NUM
easat-9223	477	3	]	]	PUNCT
easat-9223	477	4	i.	i.	PROPN
easat-9223	477	5	humaira	humaira	PROPN
easat-9223	477	6	and	and	CCONJ
easat-9223	477	7	e.	e.	PROPN
easat-9223	477	8	m.	m.	PROPN
easat-9223	477	9	sagoro	sagoro	PROPN
easat-9223	477	10	,	,	PUNCT
easat-9223	477	11	"	"	PUNCT
easat-9223	477	12	the	the	DET
easat-9223	477	13	influence	influence	NOUN
easat-9223	477	14	of	of	ADP
easat-9223	477	15	financial	financial	ADJ
easat-9223	477	16	knowledge	knowledge	NOUN
easat-9223	477	17	,	,	PUNCT
easat-9223	477	18	financial	financial	ADJ
easat-9223	477	19	attitude	attitude	NOUN
easat-9223	477	20	,	,	PUNCT
easat-9223	477	21	and	and	CCONJ
easat-9223	477	22	personality	personality	NOUN
easat-9223	477	23	on	on	ADP
easat-9223	477	24	financial	financial	ADJ
easat-9223	477	25	management	management	NOUN
easat-9223	477	26	behavior	behavior	NOUN
easat-9223	477	27	of	of	ADP
easat-9223	477	28	msme	msme	NOUN
easat-9223	477	29	actors	actor	NOUN
easat-9223	477	30	in	in	ADP
easat-9223	477	31	batik	batik	NOUN
easat-9223	477	32	craft	craft	NOUN
easat-9223	477	33	center	center	NOUN
easat-9223	477	34	in	in	ADP
easat-9223	477	35	bantul	bantul	PROPN
easat-9223	477	36	regency	regency	PROPN
easat-9223	477	37	,	,	PUNCT
easat-9223	477	38	"	"	PUNCT
easat-9223	477	39	nominal	nominal	ADJ
easat-9223	477	40	:	:	PUNCT
easat-9223	477	41	barometer	barometer	NOUN
easat-9223	477	42	riset	riset	PROPN
easat-9223	477	43	akuntansi	akuntansi	PROPN
easat-9223	477	44	dan	dan	PROPN
easat-9223	477	45	manajemen	manajemen	PROPN
easat-9223	477	46	,	,	PUNCT
easat-9223	477	47	vol	vol	NOUN
easat-9223	477	48	.	.	PROPN
easat-9223	478	1	7	7	NUM
easat-9223	478	2	,	,	PUNCT
easat-9223	478	3	no	no	INTJ
easat-9223	478	4	.	.	NOUN
easat-9223	478	5	1	1	NUM
easat-9223	478	6	,	,	PUNCT
easat-9223	478	7	pp	pp	ADJ
easat-9223	478	8	.	.	PUNCT
easat-9223	479	1	96	96	NUM
easat-9223	479	2	-	-	SYM
easat-9223	479	3	110	110	NUM
easat-9223	479	4	,	,	PUNCT
easat-9223	479	5	2018	2018	NUM
easat-9223	479	6	.	.	PUNCT
easat-9223	480	1	https://doi.org/10.21831/nominal.v7i1.19363	https://doi.org/10.21831/nominal.v7i1.19363	NOUN
easat-9223	481	1	[	[	X
easat-9223	481	2	32	32	NUM
easat-9223	481	3	]	]	PUNCT
easat-9223	481	4	e.	e.	PROPN
easat-9223	481	5	budiono	budiono	PROPN
easat-9223	481	6	,	,	PUNCT
easat-9223	481	7	"	"	PUNCT
easat-9223	481	8	analysis	analysis	NOUN
easat-9223	481	9	of	of	ADP
easat-9223	481	10	financial	financial	ADJ
easat-9223	481	11	knowledge	knowledge	NOUN
easat-9223	481	12	,	,	PUNCT
easat-9223	481	13	financial	financial	ADJ
easat-9223	481	14	attitude	attitude	NOUN
easat-9223	481	15	,	,	PUNCT
easat-9223	481	16	income	income	NOUN
easat-9223	481	17	,	,	PUNCT
easat-9223	481	18	locus	locus	NOUN
easat-9223	481	19	of	of	ADP
easat-9223	481	20	control	control	NOUN
easat-9223	481	21	,	,	PUNCT
easat-9223	481	22	financial	financial	ADJ
easat-9223	481	23	management	management	NOUN
easat-9223	481	24	behavior	behavior	NOUN
easat-9223	481	25	of	of	ADP
easat-9223	481	26	the	the	DET
easat-9223	481	27	people	people	NOUN
easat-9223	481	28	of	of	ADP
easat-9223	481	29	kediri	kediri	NOUN
easat-9223	481	30	city	city	NOUN
easat-9223	481	31	,	,	PUNCT
easat-9223	481	32	"	"	PUNCT
easat-9223	481	33	jurnal	jurnal	ADJ
easat-9223	481	34	ilmu	ilmu	PROPN
easat-9223	481	35	manajemen	manajeman	NOUN
easat-9223	481	36	(	(	PUNCT
easat-9223	481	37	jim	jim	PROPN
easat-9223	481	38	)	)	PUNCT
easat-9223	481	39	,	,	PUNCT
easat-9223	481	40	vol	vol	NOUN
easat-9223	481	41	.	.	PROPN
easat-9223	481	42	8	8	NUM
easat-9223	481	43	,	,	PUNCT
easat-9223	481	44	no	no	INTJ
easat-9223	481	45	.	.	NOUN
easat-9223	481	46	1	1	NUM
easat-9223	481	47	,	,	PUNCT
easat-9223	481	48	pp	pp	ADJ
easat-9223	481	49	.	.	PUNCT
easat-9223	482	1	284–295	284–295	NUM
easat-9223	482	2	,	,	PUNCT
easat-9223	482	3	2020	2020	NUM
easat-9223	482	4	.	.	PUNCT
easat-9223	483	1	[	[	X
easat-9223	483	2	33	33	NUM
easat-9223	483	3	]	]	PUNCT
easat-9223	483	4	i.	i.	PROPN
easat-9223	483	5	g.	g.	PROPN
easat-9223	483	6	adiputra	adiputra	PROPN
easat-9223	483	7	and	and	CCONJ
easat-9223	483	8	e.	e.	PROPN
easat-9223	483	9	patricia	patricia	PROPN
easat-9223	483	10	,	,	PUNCT
easat-9223	483	11	"	"	PUNCT
easat-9223	483	12	the	the	DET
easat-9223	483	13	effect	effect	NOUN
easat-9223	483	14	of	of	ADP
easat-9223	483	15	financial	financial	ADJ
easat-9223	483	16	attitude	attitude	NOUN
easat-9223	483	17	,	,	PUNCT
easat-9223	483	18	financial	financial	ADJ
easat-9223	483	19	knowledge	knowledge	NOUN
easat-9223	483	20	,	,	PUNCT
easat-9223	483	21	and	and	CCONJ
easat-9223	483	22	income	income	NOUN
easat-9223	483	23	on	on	ADP
easat-9223	483	24	financial	financial	ADJ
easat-9223	483	25	management	management	NOUN
easat-9223	483	26	behavior	behavior	NOUN
easat-9223	483	27	,	,	PUNCT
easat-9223	483	28	"	"	PUNCT
easat-9223	483	29	in	in	ADP
easat-9223	483	30	tarumanagara	tarumanagara	PROPN
easat-9223	483	31	international	international	ADJ
easat-9223	483	32	conference	conference	NOUN
easat-9223	483	33	on	on	ADP
easat-9223	483	34	the	the	DET
easat-9223	483	35	applications	application	NOUN
easat-9223	483	36	of	of	ADP
easat-9223	483	37	social	social	ADJ
easat-9223	483	38	sciences	science	NOUN
easat-9223	483	39	and	and	CCONJ
easat-9223	483	40	humanities	humanity	NOUN
easat-9223	483	41	(	(	PUNCT
easat-9223	483	42	ticash	ticash	NOUN
easat-9223	483	43	2019	2019	NUM
easat-9223	483	44	)	)	PUNCT
easat-9223	483	45	(	(	PUNCT
easat-9223	483	46	pp	pp	X
easat-9223	483	47	.	.	PUNCT
easat-9223	484	1	107	107	NUM
easat-9223	484	2	-	-	SYM
easat-9223	484	3	112	112	NUM
easat-9223	484	4	)	)	PUNCT
easat-9223	484	5	.	.	PUNCT
easat-9223	485	1	atlantis	atlantis	PROPN
easat-9223	485	2	press	press	PROPN
easat-9223	485	3	,	,	PUNCT
easat-9223	485	4	2020	2020	NUM
easat-9223	485	5	.	.	PUNCT
easat-9223	486	1	[	[	X
easat-9223	486	2	34	34	NUM
easat-9223	486	3	]	]	X
easat-9223	486	4	n.	n.	PROPN
easat-9223	486	5	j.	j.	PROPN
easat-9223	486	6	setiadi	setiadi	PROPN
easat-9223	486	7	,	,	PUNCT
easat-9223	486	8	consumer	consumer	NOUN
easat-9223	486	9	behavior	behavior	NOUN
easat-9223	486	10	:	:	PUNCT
easat-9223	486	11	contemporary	contemporary	ADJ
easat-9223	486	12	perspectives	perspective	NOUN
easat-9223	486	13	on	on	ADP
easat-9223	486	14	consumer	consumer	NOUN
easat-9223	486	15	motives	motive	NOUN
easat-9223	486	16	,	,	PUNCT
easat-9223	486	17	goals	goal	NOUN
easat-9223	486	18	,	,	PUNCT
easat-9223	486	19	and	and	CCONJ
easat-9223	486	20	desires	desire	NOUN
easat-9223	486	21	.	.	PUNCT
easat-9223	487	1	jakarta	jakarta	PROPN
easat-9223	487	2	:	:	PUNCT
easat-9223	487	3	prenada	prenada	PROPN
easat-9223	487	4	media	medium	NOUN
easat-9223	487	5	group	group	NOUN
easat-9223	487	6	,	,	PUNCT
easat-9223	487	7	2003	2003	NUM
easat-9223	487	8	.	.	PUNCT
easat-9223	488	1	[	[	X
easat-9223	488	2	35	35	NUM
easat-9223	488	3	]	]	X
easat-9223	488	4	d.	d.	PROPN
easat-9223	488	5	s.	s.	PROPN
easat-9223	488	6	lestari	lestari	PROPN
easat-9223	488	7	and	and	CCONJ
easat-9223	488	8	u.	u.	PROPN
easat-9223	488	9	khasanah	khasanah	PROPN
easat-9223	488	10	,	,	PUNCT
easat-9223	488	11	"	"	PUNCT
easat-9223	488	12	the	the	DET
easat-9223	488	13	influence	influence	NOUN
easat-9223	488	14	of	of	ADP
easat-9223	488	15	lifestyle	lifestyle	NOUN
easat-9223	488	16	on	on	ADP
easat-9223	488	17	financial	financial	ADJ
easat-9223	488	18	management	management	NOUN
easat-9223	488	19	behavior	behavior	NOUN
easat-9223	488	20	in	in	ADP
easat-9223	488	21	millennial	millennial	ADJ
easat-9223	488	22	generation	generation	NOUN
easat-9223	488	23	,	,	PUNCT
easat-9223	488	24	"	"	PUNCT
easat-9223	488	25	jurnal	jurnal	ADJ
easat-9223	488	26	ekonomi	ekonomi	PROPN
easat-9223	488	27	dan	dan	PROPN
easat-9223	488	28	bisnis	bisnis	PROPN
easat-9223	488	29	islam	islam	PROPN
easat-9223	488	30	,	,	PUNCT
easat-9223	488	31	vol	vol	NOUN
easat-9223	488	32	.	.	PROPN
easat-9223	488	33	9	9	NUM
easat-9223	488	34	,	,	PUNCT
easat-9223	488	35	no	no	INTJ
easat-9223	488	36	.	.	NOUN
easat-9223	488	37	1	1	NUM
easat-9223	488	38	,	,	PUNCT
easat-9223	488	39	pp	pp	ADJ
easat-9223	488	40	.	.	PUNCT
easat-9223	488	41	12–22	12–22	NUM
easat-9223	488	42	,	,	PUNCT
easat-9223	488	43	2022	2022	NUM
easat-9223	488	44	.	.	PUNCT
easat-9223	489	1	[	[	X
easat-9223	489	2	36	36	NUM
easat-9223	489	3	]	]	X
easat-9223	489	4	n.	n.	PROPN
easat-9223	489	5	s.	s.	PROPN
easat-9223	489	6	pratiwi	pratiwi	PROPN
easat-9223	489	7	,	,	PUNCT
easat-9223	489	8	s.	s.	PROPN
easat-9223	489	9	r.	r.	PROPN
easat-9223	489	10	utami	utami	PROPN
easat-9223	489	11	,	,	PUNCT
easat-9223	489	12	and	and	CCONJ
easat-9223	489	13	a.	a.	NOUN
easat-9223	489	14	wibowo	wibowo	PROPN
easat-9223	489	15	,	,	PUNCT
easat-9223	489	16	"	"	PUNCT
easat-9223	489	17	lifestyle	lifestyle	NOUN
easat-9223	489	18	and	and	CCONJ
easat-9223	489	19	financial	financial	ADJ
easat-9223	489	20	decision	decision	NOUN
easat-9223	489	21	-	-	PUNCT
easat-9223	489	22	making	making	NOUN
easat-9223	489	23	:	:	PUNCT
easat-9223	489	24	a	a	DET
easat-9223	489	25	study	study	NOUN
easat-9223	489	26	among	among	ADP
easat-9223	489	27	young	young	ADJ
easat-9223	489	28	adults	adult	NOUN
easat-9223	489	29	in	in	ADP
easat-9223	489	30	indonesia	indonesia	PROPN
easat-9223	489	31	,	,	PUNCT
easat-9223	489	32	"	"	PUNCT
easat-9223	489	33	jurnal	jurnal	ADJ
easat-9223	489	34	manajemen	manajeman	NOUN
easat-9223	489	35	dan	dan	PROPN
easat-9223	489	36	kewirausahaan	kewirausahaan	PROPN
easat-9223	489	37	,	,	PUNCT
easat-9223	489	38	vol	vol	NOUN
easat-9223	489	39	.	.	PROPN
easat-9223	489	40	11	11	NUM
easat-9223	489	41	,	,	PUNCT
easat-9223	489	42	no	no	INTJ
easat-9223	489	43	.	.	NOUN
easat-9223	489	44	2	2	NUM
easat-9223	489	45	,	,	PUNCT
easat-9223	489	46	pp	pp	ADJ
easat-9223	489	47	.	.	PUNCT
easat-9223	490	1	47–56	47–56	NUM
easat-9223	490	2	,	,	PUNCT
easat-9223	490	3	2023	2023	NUM
easat-9223	490	4	.	.	PUNCT
easat-9223	491	1	https://doi.org/10.37034/infeb.v6i3.906	https://doi.org/10.37034/infeb.v6i3.906	PROPN
easat-9223	491	2	https://doi.org/10.24252/minds.v6i1.9274	https://doi.org/10.24252/minds.v6i1.9274	PROPN
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easat-9223	491	4	https://doi.org/10.1016/0749-5978(91)90020-t	https://doi.org/10.1016/0749-5978(91)90020-t	PROPN
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easat-9223	491	6	https://doi.org/10.32493/skt.v4i1.6435	https://doi.org/10.32493/skt.v4i1.6435	VERB
easat-9223	491	7	https://doi.org/10.33369/tmr.v2i2.16329	https://doi.org/10.33369/tmr.v2i2.16329	PROPN
easat-9223	491	8	https://doi.org/10.1016/s1057-0810(99)80006-7	https://doi.org/10.1016/s1057-0810(99)80006-7	PROPN
easat-9223	491	9	https://doi.org/10.21831/nominal.v7i1.19363	https://doi.org/10.21831/nominal.v7i1.19363	PROPN
easat-9223	491	10	112	112	NUM
easat-9223	491	11	edelweiss	edelweiss	PROPN
easat-9223	491	12	applied	apply	VERB
easat-9223	491	13	science	science	NOUN
easat-9223	491	14	and	and	CCONJ
easat-9223	491	15	technology	technology	NOUN
easat-9223	491	16	issn	issn	PROPN
easat-9223	491	17	:	:	PUNCT
easat-9223	491	18	2576	2576	NUM
easat-9223	491	19	-	-	SYM
easat-9223	491	20	8484	8484	NUM
easat-9223	491	21	vol	vol	NOUN
easat-9223	491	22	.	.	PROPN
easat-9223	491	23	9	9	NUM
easat-9223	491	24	,	,	PUNCT
easat-9223	491	25	no	no	INTJ
easat-9223	491	26	.	.	NOUN
easat-9223	491	27	8	8	NUM
easat-9223	491	28	:	:	SYM
easat-9223	491	29	95	95	NUM
easat-9223	491	30	-	-	SYM
easat-9223	491	31	112	112	NUM
easat-9223	491	32	,	,	PUNCT
easat-9223	491	33	2025	2025	NUM
easat-9223	491	34	doi	doi	NOUN
easat-9223	491	35	:	:	PUNCT
easat-9223	491	36	10.55214/2576	10.55214/2576	NUM
easat-9223	491	37	-	-	PUNCT
easat-9223	491	38	8484.v9i8.9223	8484.v9i8.9223	NOUN
easat-9223	491	39	©	©	PROPN
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easat-9223	491	41	by	by	ADP
easat-9223	491	42	the	the	DET
easat-9223	491	43	authors	author	NOUN
easat-9223	491	44	;	;	PUNCT
easat-9223	491	45	licensee	licensee	PROPN
easat-9223	491	46	learning	learning	NOUN
easat-9223	491	47	gate	gate	NOUN
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easat-9223	492	2	37	37	NUM
easat-9223	492	3	]	]	PUNCT
easat-9223	492	4	s.	s.	PROPN
easat-9223	492	5	p.	p.	PROPN
easat-9223	492	6	robbins	robbins	PROPN
easat-9223	492	7	,	,	PUNCT
easat-9223	492	8	organizational	organizational	ADJ
easat-9223	492	9	behavior	behavior	NOUN
easat-9223	492	10	:	:	PUNCT
easat-9223	492	11	concepts	concept	NOUN
easat-9223	492	12	,	,	PUNCT
easat-9223	492	13	controversies	controversy	NOUN
easat-9223	492	14	,	,	PUNCT
easat-9223	492	15	applications	application	NOUN
easat-9223	492	16	(	(	PUNCT
easat-9223	492	17	h.	h.	PROPN
easat-9223	492	18	pujaatmaka	pujaatmaka	PROPN
easat-9223	492	19	&	&	CCONJ
easat-9223	492	20	b.	b.	PROPN
easat-9223	492	21	molan	molan	PROPN
easat-9223	492	22	,	,	PUNCT
easat-9223	492	23	trans	trans	PROPN
easat-9223	492	24	.	.	PUNCT
easat-9223	492	25	)	)	PUNCT
easat-9223	492	26	.	.	PUNCT
easat-9223	493	1	jakarta	jakarta	PROPN
easat-9223	493	2	:	:	PUNCT
easat-9223	493	3	prenhallindo	prenhallindo	PROPN
easat-9223	493	4	,	,	PUNCT
easat-9223	493	5	2001	2001	NUM
easat-9223	493	6	.	.	PUNCT
easat-9223	494	1	[	[	X
easat-9223	494	2	38	38	NUM
easat-9223	494	3	]	]	PUNCT
easat-9223	494	4	l.	l.	PROPN
easat-9223	494	5	a.	a.	PROPN
easat-9223	494	6	pervin	pervin	PROPN
easat-9223	494	7	,	,	PUNCT
easat-9223	494	8	d.	d.	PROPN
easat-9223	494	9	cervone	cervone	PROPN
easat-9223	494	10	,	,	PUNCT
easat-9223	494	11	and	and	CCONJ
easat-9223	494	12	o.	o.	PROPN
easat-9223	494	13	p.	p.	PROPN
easat-9223	494	14	john	john	PROPN
easat-9223	494	15	,	,	PUNCT
easat-9223	494	16	personality	personality	NOUN
easat-9223	494	17	:	:	PUNCT
easat-9223	494	18	theory	theory	NOUN
easat-9223	494	19	and	and	CCONJ
easat-9223	494	20	research	research	NOUN
easat-9223	494	21	.	.	PUNCT
easat-9223	495	1	hoboken	hoboken	PROPN
easat-9223	495	2	,	,	PUNCT
easat-9223	495	3	nj	nj	PROPN
easat-9223	495	4	:	:	PUNCT
easat-9223	495	5	wiley	wiley	PROPN
easat-9223	495	6	,	,	PUNCT
easat-9223	495	7	2005	2005	NUM
easat-9223	495	8	.	.	PUNCT
easat-9223	496	1	[	[	X
easat-9223	496	2	39	39	NUM
easat-9223	496	3	]	]	PUNCT
easat-9223	496	4	b.	b.	PROPN
easat-9223	496	5	bado	bado	PROPN
easat-9223	496	6	,	,	PUNCT
easat-9223	496	7	m.	m.	PROPN
easat-9223	496	8	hasan	hasan	PROPN
easat-9223	496	9	,	,	PUNCT
easat-9223	496	10	t.	t.	PROPN
easat-9223	496	11	tahir	tahir	PROPN
easat-9223	496	12	,	,	PUNCT
easat-9223	496	13	and	and	CCONJ
easat-9223	496	14	s.	s.	PROPN
easat-9223	496	15	hasbiah	hasbiah	PROPN
easat-9223	496	16	,	,	PUNCT
easat-9223	496	17	"	"	PUNCT
easat-9223	496	18	how	how	SCONJ
easat-9223	496	19	do	do	VERB
easat-9223	496	20	financial	financial	ADJ
easat-9223	496	21	literacy	literacy	NOUN
easat-9223	496	22	,	,	PUNCT
easat-9223	496	23	financial	financial	ADJ
easat-9223	496	24	management	management	NOUN
easat-9223	496	25	learning	learning	NOUN
easat-9223	496	26	,	,	PUNCT
easat-9223	496	27	financial	financial	ADJ
easat-9223	496	28	attitudes	attitude	NOUN
easat-9223	496	29	and	and	CCONJ
easat-9223	496	30	financial	financial	ADJ
easat-9223	496	31	education	education	NOUN
easat-9223	496	32	in	in	ADP
easat-9223	496	33	families	family	NOUN
easat-9223	496	34	affect	affect	VERB
easat-9223	496	35	personal	personal	ADJ
easat-9223	496	36	financial	financial	ADJ
easat-9223	496	37	management	management	NOUN
easat-9223	496	38	in	in	ADP
easat-9223	496	39	generation	generation	NOUN
easat-9223	496	40	z	z	PROPN
easat-9223	496	41	?	?	PUNCT
easat-9223	496	42	,	,	PUNCT
easat-9223	496	43	"	"	PUNCT
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easat-9223	496	45	journal	journal	NOUN
easat-9223	496	46	of	of	ADP
easat-9223	496	47	professional	professional	PROPN
easat-9223	496	48	business	business	PROPN
easat-9223	496	49	review	review	PROPN
easat-9223	496	50	,	,	PUNCT
easat-9223	496	51	vol	vol	NOUN
easat-9223	496	52	.	.	PROPN
easat-9223	496	53	8	8	NUM
easat-9223	496	54	,	,	PUNCT
easat-9223	496	55	no	no	INTJ
easat-9223	496	56	.	.	NOUN
easat-9223	496	57	5	5	NUM
easat-9223	496	58	,	,	PUNCT
easat-9223	496	59	p.	p.	NOUN
easat-9223	496	60	e02001	e02001	NOUN
easat-9223	496	61	,	,	PUNCT
easat-9223	496	62	2023	2023	NUM
easat-9223	496	63	.	.	PUNCT
easat-9223	497	1	https://doi.org/10.26668/businessreview/2023.v8i5.2001	https://doi.org/10.26668/businessreview/2023.v8i5.2001	PROPN
easat-9223	498	1	[	[	X
easat-9223	498	2	40	40	NUM
easat-9223	498	3	]	]	X
easat-9223	498	4	y.	y.	PROPN
easat-9223	498	5	zhang	zhang	PROPN
easat-9223	498	6	and	and	CCONJ
easat-9223	498	7	s.	s.	PROPN
easat-9223	498	8	chatterjee	chatterjee	PROPN
easat-9223	498	9	,	,	PUNCT
easat-9223	498	10	"	"	PUNCT
easat-9223	498	11	financial	financial	ADJ
easat-9223	498	12	well	well	NOUN
easat-9223	498	13	-	-	PUNCT
easat-9223	498	14	being	being	NOUN
easat-9223	498	15	in	in	ADP
easat-9223	498	16	the	the	DET
easat-9223	498	17	united	united	PROPN
easat-9223	498	18	states	states	PROPN
easat-9223	498	19	:	:	PUNCT
easat-9223	498	20	the	the	DET
easat-9223	498	21	roles	role	NOUN
easat-9223	498	22	of	of	ADP
easat-9223	498	23	financial	financial	ADJ
easat-9223	498	24	literacy	literacy	NOUN
easat-9223	498	25	and	and	CCONJ
easat-9223	498	26	financial	financial	ADJ
easat-9223	498	27	stress	stress	NOUN
easat-9223	498	28	,	,	PUNCT
easat-9223	498	29	"	"	PUNCT
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easat-9223	498	31	,	,	PUNCT
easat-9223	498	32	vol	vol	NOUN
easat-9223	498	33	.	.	PROPN
easat-9223	498	34	15	15	NUM
easat-9223	498	35	,	,	PUNCT
easat-9223	498	36	no	no	INTJ
easat-9223	498	37	.	.	NOUN
easat-9223	498	38	5	5	NUM
easat-9223	498	39	,	,	PUNCT
easat-9223	498	40	p.	p.	NOUN
easat-9223	498	41	4505	4505	NUM
easat-9223	498	42	,	,	PUNCT
easat-9223	498	43	2023	2023	NUM
easat-9223	498	44	.	.	PUNCT
easat-9223	499	1	https://doi.org/10.3390/su15054505	https://doi.org/10.3390/su15054505	X
easat-9223	499	2	[	[	X
easat-9223	499	3	41	41	NUM
easat-9223	499	4	]	]	PUNCT
easat-9223	499	5	l.	l.	PROPN
easat-9223	499	6	a.	a.	PROPN
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easat-9223	499	8	and	and	CCONJ
easat-9223	499	9	d.	d.	PROPN
easat-9223	499	10	fitrayati	fitrayati	PROPN
easat-9223	499	11	,	,	PUNCT
easat-9223	499	12	"	"	PUNCT
easat-9223	499	13	the	the	DET
easat-9223	499	14	influence	influence	NOUN
easat-9223	499	15	of	of	ADP
easat-9223	499	16	financial	financial	ADJ
easat-9223	499	17	literacy	literacy	NOUN
easat-9223	499	18	and	and	CCONJ
easat-9223	499	19	financial	financial	ADJ
easat-9223	499	20	attitudes	attitude	NOUN
easat-9223	499	21	on	on	ADP
easat-9223	499	22	financial	financial	ADJ
easat-9223	499	23	management	management	NOUN
easat-9223	499	24	behavior	behavior	NOUN
easat-9223	499	25	with	with	ADP
easat-9223	499	26	locus	locus	NOUN
easat-9223	499	27	of	of	ADP
easat-9223	499	28	control	control	NOUN
easat-9223	499	29	as	as	ADP
easat-9223	499	30	an	an	DET
easat-9223	499	31	intervening	intervene	VERB
easat-9223	499	32	variable	variable	NOUN
easat-9223	499	33	,	,	PUNCT
easat-9223	499	34	"	"	PUNCT
easat-9223	499	35	fair	fair	ADJ
easat-9223	499	36	value	value	NOUN
easat-9223	499	37	:	:	PUNCT
easat-9223	499	38	jurnal	jurnal	ADJ
easat-9223	499	39	ilmiah	ilmiah	PROPN
easat-9223	499	40	akuntansi	akuntansi	PROPN
easat-9223	499	41	dan	dan	PROPN
easat-9223	499	42	keuangan	keuangan	PROPN
easat-9223	499	43	,	,	PUNCT
easat-9223	499	44	vol	vol	NOUN
easat-9223	499	45	.	.	PROPN
easat-9223	499	46	4	4	NUM
easat-9223	499	47	,	,	PUNCT
easat-9223	499	48	no	no	INTJ
easat-9223	499	49	.	.	NOUN
easat-9223	499	50	12	12	NUM
easat-9223	499	51	,	,	PUNCT
easat-9223	499	52	pp	pp	ADJ
easat-9223	499	53	.	.	PUNCT
easat-9223	499	54	5827–5836	5827–5836	NUM
easat-9223	499	55	,	,	PUNCT
easat-9223	499	56	2022	2022	NUM
easat-9223	499	57	.	.	PUNCT
easat-9223	500	1	https://doi.org/10.32670/fairvalue.v4i12.1894	https://doi.org/10.32670/fairvalue.v4i12.1894	PROPN
easat-9223	500	2	[	[	X
easat-9223	500	3	42	42	NUM
easat-9223	500	4	]	]	PUNCT
easat-9223	500	5	i.	i.	PROPN
easat-9223	500	6	p.	p.	PROPN
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easat-9223	501	1	and	and	CCONJ
easat-9223	501	2	d.	d.	PROPN
easat-9223	501	3	r.	r.	PROPN
easat-9223	501	4	kristiana	kristiana	PROPN
easat-9223	501	5	,	,	PUNCT
easat-9223	501	6	"	"	PUNCT
easat-9223	501	7	analysis	analysis	NOUN
easat-9223	501	8	of	of	ADP
easat-9223	501	9	financial	financial	ADJ
easat-9223	501	10	literacy	literacy	NOUN
easat-9223	501	11	,	,	PUNCT
easat-9223	501	12	financial	financial	ADJ
easat-9223	501	13	attitudes	attitude	NOUN
easat-9223	501	14	,	,	PUNCT
easat-9223	501	15	and	and	CCONJ
easat-9223	501	16	financial	financial	ADJ
easat-9223	501	17	behavior	behavior	NOUN
easat-9223	501	18	in	in	ADP
easat-9223	501	19	millennials	millennial	NOUN
easat-9223	501	20	and	and	CCONJ
easat-9223	501	21	generation	generation	NOUN
easat-9223	501	22	z	z	NOUN
easat-9223	501	23	,	,	PUNCT
easat-9223	501	24	"	"	PUNCT
easat-9223	501	25	journal	journal	NOUN
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easat-9223	501	27	culture	culture	NOUN
easat-9223	501	28	accounting	accounting	NOUN
easat-9223	501	29	and	and	CCONJ
easat-9223	501	30	auditing	auditing	NOUN
easat-9223	501	31	,	,	PUNCT
easat-9223	501	32	vol	vol	NOUN
easat-9223	501	33	.	.	PROPN
easat-9223	502	1	2	2	NUM
easat-9223	502	2	,	,	PUNCT
easat-9223	502	3	no	no	INTJ
easat-9223	502	4	.	.	NOUN
easat-9223	502	5	2	2	NUM
easat-9223	502	6	,	,	PUNCT
easat-9223	502	7	p.	p.	NOUN
easat-9223	502	8	12	12	NUM
easat-9223	502	9	,	,	PUNCT
easat-9223	502	10	2023	2023	NUM
easat-9223	502	11	.	.	PUNCT
easat-9223	503	1	[	[	X
easat-9223	503	2	43	43	NUM
easat-9223	503	3	]	]	X
easat-9223	503	4	n.	n.	PROPN
easat-9223	503	5	putri	putri	PROPN
easat-9223	503	6	and	and	CCONJ
easat-9223	503	7	d.	d.	PROPN
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easat-9223	503	9	,	,	PUNCT
easat-9223	503	10	"	"	PUNCT
easat-9223	503	11	the	the	DET
easat-9223	503	12	influence	influence	NOUN
easat-9223	503	13	of	of	ADP
easat-9223	503	14	lifestyle	lifestyle	NOUN
easat-9223	503	15	and	and	CCONJ
easat-9223	503	16	financial	financial	ADJ
easat-9223	503	17	literacy	literacy	NOUN
easat-9223	503	18	on	on	ADP
easat-9223	503	19	financial	financial	ADJ
easat-9223	503	20	management	management	NOUN
easat-9223	503	21	of	of	ADP
easat-9223	503	22	young	young	ADJ
easat-9223	503	23	workers	worker	NOUN
easat-9223	503	24	in	in	ADP
easat-9223	503	25	jakarta	jakarta	PROPN
easat-9223	503	26	,	,	PUNCT
easat-9223	503	27	"	"	PUNCT
easat-9223	503	28	akurasi	akurasi	NOUN
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easat-9223	503	30	jurnal	jurnal	ADJ
easat-9223	503	31	riset	riset	PROPN
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easat-9223	503	34	keuangan	keuangan	PROPN
easat-9223	503	35	,	,	PUNCT
easat-9223	503	36	vol	vol	NOUN
easat-9223	503	37	.	.	PROPN
easat-9223	504	1	1	1	NUM
easat-9223	504	2	,	,	PUNCT
easat-9223	504	3	no	no	INTJ
easat-9223	504	4	.	.	NOUN
easat-9223	504	5	1	1	NUM
easat-9223	504	6	,	,	PUNCT
easat-9223	504	7	pp	pp	ADJ
easat-9223	504	8	.	.	PUNCT
easat-9223	505	1	31	31	NUM
easat-9223	505	2	42	42	NUM
easat-9223	505	3	,	,	PUNCT
easat-9223	505	4	2019	2019	NUM
easat-9223	505	5	.	.	PUNCT
easat-9223	506	1	https://doi.org/10.36407/akurasi.v1i1.61	https://doi.org/10.36407/akurasi.v1i1.61	NOUN
easat-9223	507	1	[	[	X
easat-9223	507	2	44	44	NUM
easat-9223	507	3	]	]	PUNCT
easat-9223	508	1	j.	j.	PROPN
easat-9223	508	2	h.	h.	PROPN
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easat-9223	508	4	,	,	PUNCT
easat-9223	508	5	n.	n.	PROPN
easat-9223	508	6	ellyawati	ellyawati	PROPN
easat-9223	508	7	,	,	PUNCT
easat-9223	508	8	and	and	CCONJ
easat-9223	508	9	r.	r.	PROPN
easat-9223	508	10	f.	f.	PROPN
easat-9223	508	11	astuti	astuti	PROPN
easat-9223	508	12	,	,	PUNCT
easat-9223	508	13	"	"	PUNCT
easat-9223	508	14	the	the	DET
easat-9223	508	15	influence	influence	NOUN
easat-9223	508	16	of	of	ADP
easat-9223	508	17	financial	financial	ADJ
easat-9223	508	18	literacy	literacy	NOUN
easat-9223	508	19	and	and	CCONJ
easat-9223	508	20	financial	financial	ADJ
easat-9223	508	21	attitudes	attitude	NOUN
easat-9223	508	22	on	on	ADP
easat-9223	508	23	the	the	DET
easat-9223	508	24	financial	financial	ADJ
easat-9223	508	25	management	management	NOUN
easat-9223	508	26	behavior	behavior	NOUN
easat-9223	508	27	of	of	ADP
easat-9223	508	28	samarinda	samarinda	PROPN
easat-9223	508	29	city	city	PROPN
easat-9223	508	30	students	student	NOUN
easat-9223	508	31	,	,	PUNCT
easat-9223	508	32	"	"	PUNCT
easat-9223	508	33	jurnal	jurnal	ADJ
easat-9223	508	34	pendidikan	pendidikan	X
easat-9223	508	35	ekonomi	ekonomi	PROPN
easat-9223	508	36	(	(	PUNCT
easat-9223	508	37	jupe	jupe	PROPN
easat-9223	508	38	)	)	PUNCT
easat-9223	508	39	,	,	PUNCT
easat-9223	508	40	vol	vol	NOUN
easat-9223	508	41	.	.	PROPN
easat-9223	508	42	9	9	NUM
easat-9223	508	43	,	,	PUNCT
easat-9223	508	44	no	no	INTJ
easat-9223	508	45	.	.	NOUN
easat-9223	508	46	3	3	NUM
easat-9223	508	47	,	,	PUNCT
easat-9223	508	48	pp	pp	ADJ
easat-9223	508	49	.	.	PUNCT
easat-9223	508	50	138144	138144	NUM
easat-9223	508	51	,	,	PUNCT
easat-9223	508	52	2021	2021	NUM
easat-9223	508	53	.	.	PUNCT
easat-9223	508	54	https://doi.org/10.26740/jupe.v9n3.p138-144	https://doi.org/10.26740/jupe.v9n3.p138-144	X
easat-9223	509	1	[	[	X
easat-9223	509	2	45	45	NUM
easat-9223	509	3	]	]	PUNCT
easat-9223	510	1	a.	a.	NOUN
easat-9223	510	2	c.	c.	PROPN
easat-9223	510	3	g.	g.	PROPN
easat-9223	510	4	potrich	potrich	PROPN
easat-9223	510	5	and	and	CCONJ
easat-9223	510	6	k.	k.	PROPN
easat-9223	510	7	m.	m.	PROPN
easat-9223	510	8	vieira	vieira	PROPN
easat-9223	510	9	,	,	PUNCT
easat-9223	510	10	"	"	PUNCT
easat-9223	510	11	demystifying	demystify	VERB
easat-9223	510	12	financial	financial	ADJ
easat-9223	510	13	literacy	literacy	NOUN
easat-9223	510	14	:	:	PUNCT
easat-9223	510	15	a	a	DET
easat-9223	510	16	behavioral	behavioral	ADJ
easat-9223	510	17	perspective	perspective	NOUN
easat-9223	510	18	analysis	analysis	NOUN
easat-9223	510	19	,	,	PUNCT
easat-9223	510	20	"	"	PUNCT
easat-9223	510	21	management	management	NOUN
easat-9223	510	22	research	research	NOUN
easat-9223	510	23	review	review	PROPN
easat-9223	510	24	,	,	PUNCT
easat-9223	510	25	vol	vol	NOUN
easat-9223	510	26	.	.	PROPN
easat-9223	510	27	41	41	NUM
easat-9223	510	28	,	,	PUNCT
easat-9223	510	29	no	no	INTJ
easat-9223	510	30	.	.	NOUN
easat-9223	510	31	9	9	NUM
easat-9223	510	32	,	,	PUNCT
easat-9223	510	33	pp	pp	ADJ
easat-9223	510	34	.	.	PUNCT
easat-9223	511	1	1047	1047	NUM
easat-9223	511	2	-	-	SYM
easat-9223	511	3	1068	1068	NUM
easat-9223	511	4	,	,	PUNCT
easat-9223	511	5	2018	2018	NUM
easat-9223	511	6	.	.	PUNCT
easat-9223	512	1	https://doi.org/10.1108/mrr-08-2017-0263	https://doi.org/10.1108/mrr-08-2017-0263	PROPN
easat-9223	512	2	[	[	X
easat-9223	512	3	46	46	NUM
easat-9223	512	4	]	]	PUNCT
easat-9223	512	5	a.	a.	NOUN
easat-9223	512	6	dwiastanti	dwiastanti	NOUN
easat-9223	512	7	,	,	PUNCT
easat-9223	512	8	"	"	PUNCT
easat-9223	512	9	analysis	analysis	NOUN
easat-9223	512	10	of	of	ADP
easat-9223	512	11	financial	financial	ADJ
easat-9223	512	12	knowledge	knowledge	NOUN
easat-9223	512	13	and	and	CCONJ
easat-9223	512	14	financial	financial	ADJ
easat-9223	512	15	attitude	attitude	NOUN
easat-9223	512	16	on	on	ADP
easat-9223	512	17	locus	locus	NOUN
easat-9223	512	18	of	of	ADP
easat-9223	512	19	control	control	NOUN
easat-9223	512	20	and	and	CCONJ
easat-9223	512	21	financial	financial	ADJ
easat-9223	512	22	management	management	NOUN
easat-9223	512	23	behavior	behavior	NOUN
easat-9223	512	24	,	,	PUNCT
easat-9223	512	25	"	"	PUNCT
easat-9223	512	26	mbr	mbr	X
easat-9223	512	27	(	(	PUNCT
easat-9223	512	28	management	management	NOUN
easat-9223	512	29	and	and	CCONJ
easat-9223	512	30	business	business	NOUN
easat-9223	512	31	review	review	PROPN
easat-9223	512	32	)	)	PUNCT
easat-9223	512	33	,	,	PUNCT
easat-9223	512	34	vol	vol	NOUN
easat-9223	512	35	.	.	PROPN
easat-9223	512	36	1	1	NUM
easat-9223	512	37	,	,	PUNCT
easat-9223	512	38	no	no	INTJ
easat-9223	512	39	.	.	NOUN
easat-9223	512	40	1	1	NUM
easat-9223	512	41	,	,	PUNCT
easat-9223	512	42	pp	pp	ADJ
easat-9223	512	43	.	.	PUNCT
easat-9223	513	1	1	1	NUM
easat-9223	513	2	-	-	SYM
easat-9223	513	3	8	8	NUM
easat-9223	513	4	,	,	PUNCT
easat-9223	513	5	2017	2017	NUM
easat-9223	513	6	.	.	PUNCT
easat-9223	514	1	https://doi.org/10.21067/mbr.v1i1.2043	https://doi.org/10.21067/mbr.v1i1.2043	NUM
easat-9223	515	1	[	[	X
easat-9223	515	2	47	47	NUM
easat-9223	515	3	]	]	PUNCT
easat-9223	515	4	f.	f.	PROPN
easat-9223	515	5	negara	negara	PROPN
easat-9223	515	6	and	and	CCONJ
easat-9223	515	7	m.	m.	PROPN
easat-9223	515	8	hasan	hasan	PROPN
easat-9223	515	9	,	,	PUNCT
easat-9223	515	10	"	"	PUNCT
easat-9223	515	11	the	the	DET
easat-9223	515	12	influence	influence	NOUN
easat-9223	515	13	of	of	ADP
easat-9223	515	14	financial	financial	ADJ
easat-9223	515	15	attitudes	attitude	NOUN
easat-9223	515	16	and	and	CCONJ
easat-9223	515	17	financial	financial	ADJ
easat-9223	515	18	literacy	literacy	NOUN
easat-9223	515	19	on	on	ADP
easat-9223	515	20	financial	financial	ADJ
easat-9223	515	21	management	management	NOUN
easat-9223	515	22	behavior	behavior	NOUN
easat-9223	515	23	in	in	ADP
easat-9223	515	24	students	student	NOUN
easat-9223	515	25	,	,	PUNCT
easat-9223	515	26	"	"	PUNCT
easat-9223	515	27	jurnal	jurnal	ADJ
easat-9223	515	28	ekonomi	ekonomi	PROPN
easat-9223	515	29	dan	dan	PROPN
easat-9223	515	30	bisnis	bisnis	PROPN
easat-9223	515	31	,	,	PUNCT
easat-9223	515	32	vol	vol	NOUN
easat-9223	515	33	.	.	PROPN
easat-9223	516	1	3	3	NUM
easat-9223	516	2	,	,	PUNCT
easat-9223	516	3	no	no	INTJ
easat-9223	516	4	.	.	NOUN
easat-9223	516	5	2	2	NUM
easat-9223	516	6	,	,	PUNCT
easat-9223	516	7	pp	pp	ADJ
easat-9223	516	8	.	.	PUNCT
easat-9223	517	1	45–56	45–56	NUM
easat-9223	517	2	,	,	PUNCT
easat-9223	517	3	2021	2021	NUM
easat-9223	517	4	.	.	PUNCT
easat-9223	518	1	[	[	X
easat-9223	518	2	48	48	NUM
easat-9223	518	3	]	]	PUNCT
easat-9223	518	4	a.	a.	NOUN
easat-9223	518	5	suprayogi	suprayogi	NOUN
easat-9223	518	6	and	and	CCONJ
easat-9223	518	7	r.	r.	PROPN
easat-9223	518	8	sari	sari	NOUN
easat-9223	518	9	,	,	PUNCT
easat-9223	518	10	"	"	PUNCT
easat-9223	518	11	the	the	DET
easat-9223	518	12	role	role	NOUN
easat-9223	518	13	of	of	ADP
easat-9223	518	14	locus	locus	NOUN
easat-9223	518	15	of	of	ADP
easat-9223	518	16	control	control	NOUN
easat-9223	518	17	in	in	ADP
easat-9223	518	18	moderating	moderate	VERB
easat-9223	518	19	the	the	DET
easat-9223	518	20	relationship	relationship	NOUN
easat-9223	518	21	between	between	ADP
easat-9223	518	22	financial	financial	ADJ
easat-9223	518	23	attitude	attitude	NOUN
easat-9223	518	24	and	and	CCONJ
easat-9223	518	25	financial	financial	ADJ
easat-9223	518	26	management	management	NOUN
easat-9223	518	27	behavior	behavior	NOUN
easat-9223	518	28	,	,	PUNCT
easat-9223	518	29	"	"	PUNCT
easat-9223	518	30	jurnal	jurnal	ADJ
easat-9223	518	31	manajemen	manajeman	NOUN
easat-9223	518	32	dan	dan	PROPN
easat-9223	518	33	bisnis	bisnis	PROPN
easat-9223	518	34	,	,	PUNCT
easat-9223	518	35	vol	vol	NOUN
easat-9223	518	36	.	.	PROPN
easat-9223	518	37	14	14	NUM
easat-9223	518	38	,	,	PUNCT
easat-9223	518	39	no	no	INTJ
easat-9223	518	40	.	.	NOUN
easat-9223	518	41	1	1	NUM
easat-9223	518	42	,	,	PUNCT
easat-9223	518	43	pp	pp	ADJ
easat-9223	518	44	.	.	PUNCT
easat-9223	519	1	1–10	1–10	NOUN
easat-9223	519	2	,	,	PUNCT
easat-9223	519	3	2022	2022	NUM
easat-9223	519	4	.	.	PUNCT
easat-9223	520	1	[	[	X
easat-9223	520	2	49	49	NUM
easat-9223	520	3	]	]	SYM
easat-9223	520	4	yuniningsih	yuniningsih	NOUN
easat-9223	520	5	,	,	PUNCT
easat-9223	520	6	"	"	PUNCT
easat-9223	520	7	analysis	analysis	NOUN
easat-9223	520	8	of	of	ADP
easat-9223	520	9	financial	financial	ADJ
easat-9223	520	10	management	management	NOUN
easat-9223	520	11	behavior	behavior	NOUN
easat-9223	520	12	on	on	ADP
easat-9223	520	13	k	k	ADJ
easat-9223	520	14	-	-	PUNCT
easat-9223	520	15	pop	pop	NOUN
easat-9223	520	16	fans	fan	NOUN
easat-9223	520	17	in	in	ADP
easat-9223	520	18	surabaya	surabaya	PROPN
easat-9223	520	19	city	city	PROPN
easat-9223	520	20	,	,	PUNCT
easat-9223	520	21	"	"	PUNCT
easat-9223	520	22	international	international	ADJ
easat-9223	520	23	journal	journal	NOUN
easat-9223	520	24	of	of	ADP
easat-9223	520	25	scientific	scientific	ADJ
easat-9223	520	26	and	and	CCONJ
easat-9223	520	27	management	management	NOUN
easat-9223	520	28	research	research	NOUN
easat-9223	520	29	,	,	PUNCT
easat-9223	520	30	vol	vol	NOUN
easat-9223	520	31	.	.	PROPN
easat-9223	521	1	6	6	NUM
easat-9223	521	2	,	,	PUNCT
easat-9223	521	3	no	no	INTJ
easat-9223	521	4	.	.	NOUN
easat-9223	521	5	10	10	NUM
easat-9223	521	6	,	,	PUNCT
easat-9223	521	7	pp	pp	ADJ
easat-9223	521	8	.	.	PUNCT
easat-9223	522	1	28–36	28–36	NUM
easat-9223	522	2	,	,	PUNCT
easat-9223	522	3	2023	2023	NUM
easat-9223	522	4	.	.	PUNCT
easat-9223	523	1	[	[	X
easat-9223	523	2	50	50	NUM
easat-9223	523	3	]	]	PUNCT
easat-9223	523	4	p.	p.	NOUN
easat-9223	523	5	lavonda	lavonda	NOUN
easat-9223	523	6	,	,	PUNCT
easat-9223	523	7	s.	s.	PROPN
easat-9223	523	8	ignatius	ignatius	PROPN
easat-9223	523	9	roni	roni	PROPN
easat-9223	523	10	,	,	PUNCT
easat-9223	523	11	and	and	CCONJ
easat-9223	523	12	e.	e.	PROPN
easat-9223	523	13	margarita	margarita	PROPN
easat-9223	523	14	,	,	PUNCT
easat-9223	523	15	"	"	PUNCT
easat-9223	523	16	determinants	determinant	NOUN
easat-9223	523	17	of	of	ADP
easat-9223	523	18	financial	financial	ADJ
easat-9223	523	19	well	well	NOUN
easat-9223	523	20	-	-	PUNCT
easat-9223	523	21	being	being	NOUN
easat-9223	523	22	among	among	ADP
easat-9223	523	23	young	young	ADJ
easat-9223	523	24	workers	worker	NOUN
easat-9223	523	25	in	in	ADP
easat-9223	523	26	jakarta	jakarta	PROPN
easat-9223	523	27	during	during	ADP
easat-9223	523	28	the	the	DET
easat-9223	523	29	covid-19	covid-19	PROPN
easat-9223	523	30	pandemic	pandemic	NOUN
easat-9223	523	31	,	,	PUNCT
easat-9223	523	32	"	"	PUNCT
easat-9223	523	33	jurnal	jurnal	ADJ
easat-9223	523	34	ekonomi	ekonomi	PROPN
easat-9223	523	35	,	,	PUNCT
easat-9223	523	36	vol	vol	NOUN
easat-9223	523	37	.	.	PROPN
easat-9223	524	1	26	26	NUM
easat-9223	524	2	,	,	PUNCT
easat-9223	524	3	no	no	INTJ
easat-9223	524	4	.	.	NOUN
easat-9223	524	5	2	2	NUM
easat-9223	524	6	,	,	PUNCT
easat-9223	524	7	pp	pp	ADJ
easat-9223	524	8	.	.	PUNCT
easat-9223	525	1	305	305	NUM
easat-9223	525	2	320	320	NUM
easat-9223	525	3	,	,	PUNCT
easat-9223	525	4	2021	2021	NUM
easat-9223	525	5	.	.	PUNCT
easat-9223	526	1	https://doi.org/10.24912/je.v26i2.752	https://doi.org/10.24912/je.v26i2.752	PRON
easat-9223	527	1	[	[	X
easat-9223	527	2	51	51	NUM
easat-9223	527	3	]	]	PUNCT
easat-9223	527	4	s.	s.	PROPN
easat-9223	527	5	l.	l.	PROPN
easat-9223	527	6	nasution	nasution	PROPN
easat-9223	527	7	,	,	PUNCT
easat-9223	527	8	c.	c.	PROPN
easat-9223	527	9	h.	h.	PROPN
easat-9223	527	10	limbong	limbong	PROPN
easat-9223	527	11	,	,	PUNCT
easat-9223	527	12	and	and	CCONJ
easat-9223	527	13	d.	d.	PROPN
easat-9223	527	14	a.	a.	PROPN
easat-9223	527	15	ramadhan	ramadhan	PROPN
easat-9223	527	16	,	,	PUNCT
easat-9223	527	17	"	"	PUNCT
easat-9223	527	18	the	the	DET
easat-9223	527	19	influence	influence	NOUN
easat-9223	527	20	of	of	ADP
easat-9223	527	21	product	product	NOUN
easat-9223	527	22	quality	quality	NOUN
easat-9223	527	23	,	,	PUNCT
easat-9223	527	24	brand	brand	NOUN
easat-9223	527	25	image	image	NOUN
easat-9223	527	26	,	,	PUNCT
easat-9223	527	27	trust	trust	NOUN
easat-9223	527	28	,	,	PUNCT
easat-9223	527	29	convenience	convenience	NOUN
easat-9223	527	30	,	,	PUNCT
easat-9223	527	31	and	and	CCONJ
easat-9223	527	32	price	price	NOUN
easat-9223	527	33	on	on	ADP
easat-9223	527	34	purchasing	purchase	VERB
easat-9223	527	35	decisions	decision	NOUN
easat-9223	527	36	on	on	ADP
easat-9223	527	37	e	e	NOUN
easat-9223	527	38	-	-	NOUN
easat-9223	527	39	commerce	commerce	NOUN
easat-9223	527	40	shopee	shopee	NOUN
easat-9223	527	41	(	(	PUNCT
easat-9223	527	42	survey	survey	NOUN
easat-9223	527	43	on	on	ADP
easat-9223	527	44	undergraduate	undergraduate	ADJ
easat-9223	527	45	students	student	NOUN
easat-9223	527	46	of	of	ADP
easat-9223	527	47	the	the	DET
easat-9223	527	48	faculty	faculty	NOUN
easat-9223	527	49	of	of	ADP
easat-9223	527	50	economics	economic	NOUN
easat-9223	527	51	,	,	PUNCT
easat-9223	527	52	department	department	NOUN
easat-9223	527	53	of	of	ADP
easat-9223	527	54	management	management	NOUN
easat-9223	527	55	,	,	PUNCT
easat-9223	527	56	labuhan	labuhan	PROPN
easat-9223	527	57	batu	batu	PROPN
easat-9223	527	58	university	university	PROPN
easat-9223	527	59	)	)	PUNCT
easat-9223	527	60	,	,	PUNCT
easat-9223	527	61	"	"	PUNCT
easat-9223	527	62	ecobisma	ecobisma	PROPN
easat-9223	527	63	(	(	PUNCT
easat-9223	527	64	jurnal	jurnal	ADJ
easat-9223	527	65	ekonomi	ekonomi	PROPN
easat-9223	527	66	,	,	PUNCT
easat-9223	527	67	bisnis	bisnis	PROPN
easat-9223	527	68	dan	dan	PROPN
easat-9223	527	69	manajemen	manajemen	PROPN
easat-9223	527	70	)	)	PUNCT
easat-9223	527	71	,	,	PUNCT
easat-9223	527	72	vol	vol	NOUN
easat-9223	527	73	.	.	PROPN
easat-9223	527	74	7	7	NUM
easat-9223	527	75	,	,	PUNCT
easat-9223	527	76	no	no	INTJ
easat-9223	527	77	.	.	NOUN
easat-9223	527	78	1	1	NUM
easat-9223	527	79	,	,	PUNCT
easat-9223	527	80	pp	pp	ADJ
easat-9223	527	81	.	.	PUNCT
easat-9223	528	1	43	43	NUM
easat-9223	528	2	-	-	SYM
easat-9223	528	3	53	53	NUM
easat-9223	528	4	,	,	PUNCT
easat-9223	528	5	2020	2020	NUM
easat-9223	528	6	.	.	PUNCT
easat-9223	529	1	[	[	X
easat-9223	529	2	52	52	NUM
easat-9223	529	3	]	]	X
easat-9223	529	4	sugiyono	sugiyono	NOUN
easat-9223	529	5	,	,	PUNCT
easat-9223	529	6	research	research	NOUN
easat-9223	529	7	methodology	methodology	NOUN
easat-9223	529	8	.	.	PUNCT
easat-9223	530	1	bandung	bandung	PROPN
easat-9223	530	2	:	:	PUNCT
easat-9223	530	3	alfabeta	alfabeta	PROPN
easat-9223	530	4	,	,	PUNCT
easat-9223	530	5	2016	2016	NUM
easat-9223	530	6	.	.	PUNCT
easat-9223	531	1	[	[	X
easat-9223	531	2	53	53	NUM
easat-9223	531	3	]	]	PUNCT
easat-9223	531	4	r.	r.	PROPN
easat-9223	531	5	b.	b.	PROPN
easat-9223	531	6	r.	r.	PROPN
easat-9223	531	7	manihuruk	manihuruk	PROPN
easat-9223	531	8	and	and	CCONJ
easat-9223	531	9	t.	t.	PROPN
easat-9223	531	10	a.	a.	PROPN
easat-9223	531	11	lubis	lubis	PROPN
easat-9223	531	12	,	,	PUNCT
easat-9223	531	13	"	"	PUNCT
easat-9223	531	14	analysis	analysis	NOUN
easat-9223	531	15	of	of	ADP
easat-9223	531	16	the	the	DET
easat-9223	531	17	influence	influence	NOUN
easat-9223	531	18	of	of	ADP
easat-9223	531	19	financial	financial	ADJ
easat-9223	531	20	knowledge	knowledge	NOUN
easat-9223	531	21	,	,	PUNCT
easat-9223	531	22	financial	financial	ADJ
easat-9223	531	23	attitude	attitude	NOUN
easat-9223	531	24	,	,	PUNCT
easat-9223	531	25	and	and	CCONJ
easat-9223	531	26	lifestyle	lifestyle	NOUN
easat-9223	531	27	on	on	ADP
easat-9223	531	28	financial	financial	ADJ
easat-9223	531	29	management	management	NOUN
easat-9223	531	30	behavior	behavior	NOUN
easat-9223	531	31	with	with	ADP
easat-9223	531	32	locus	locus	NOUN
easat-9223	531	33	of	of	ADP
easat-9223	531	34	control	control	NOUN
easat-9223	531	35	as	as	ADP
easat-9223	531	36	a	a	DET
easat-9223	531	37	moderating	moderate	VERB
easat-9223	531	38	variable	variable	NOUN
easat-9223	531	39	at	at	ADP
easat-9223	531	40	the	the	DET
easat-9223	531	41	jambi	jambi	PROPN
easat-9223	531	42	city	city	PROPN
easat-9223	531	43	regional	regional	ADJ
easat-9223	531	44	drinking	drinking	NOUN
easat-9223	531	45	water	water	NOUN
easat-9223	531	46	company	company	NOUN
easat-9223	531	47	(	(	PUNCT
easat-9223	531	48	pdam	pdam	ADJ
easat-9223	531	49	)	)	PUNCT
easat-9223	531	50	,	,	PUNCT
easat-9223	531	51	"	"	PUNCT
easat-9223	531	52	jurnal	jurnal	ADJ
easat-9223	531	53	manajemen	manajeman	NOUN
easat-9223	531	54	terapan	terapan	PROPN
easat-9223	531	55	dan	dan	PROPN
easat-9223	531	56	keuangan	keuangan	PROPN
easat-9223	531	57	,	,	PUNCT
easat-9223	531	58	vol	vol	NOUN
easat-9223	531	59	.	.	PROPN
easat-9223	532	1	11	11	NUM
easat-9223	532	2	,	,	PUNCT
easat-9223	532	3	no	no	INTJ
easat-9223	532	4	.	.	NOUN
easat-9223	532	5	01	01	NUM
easat-9223	532	6	,	,	PUNCT
easat-9223	532	7	pp	pp	ADJ
easat-9223	532	8	.	.	PUNCT
easat-9223	533	1	38	38	NUM
easat-9223	533	2	-	-	SYM
easat-9223	533	3	50	50	NUM
easat-9223	533	4	,	,	PUNCT
easat-9223	533	5	2022	2022	NUM
easat-9223	533	6	.	.	PUNCT
easat-9223	534	1	[	[	X
easat-9223	534	2	54	54	NUM
easat-9223	534	3	]	]	PUNCT
easat-9223	534	4	pierre	pierre	PROPN
easat-9223	534	5	rainer	rainer	NOUN
easat-9223	534	6	,	,	PUNCT
easat-9223	534	7	"	"	PUNCT
easat-9223	534	8	bps	bps	NOUN
easat-9223	534	9	census	census	NOUN
easat-9223	534	10	:	:	PUNCT
easat-9223	534	11	indonesia	indonesia	PROPN
easat-9223	534	12	currently	currently	ADV
easat-9223	534	13	dominated	dominate	VERB
easat-9223	534	14	by	by	ADP
easat-9223	534	15	gen	gen	PROPN
easat-9223	534	16	z.	z.	PROPN
easat-9223	534	17	good	good	PROPN
easat-9223	534	18	stats	stat	NOUN
easat-9223	534	19	,	,	PUNCT
easat-9223	534	20	"	"	PUNCT
easat-9223	534	21	2023	2023	NUM
easat-9223	534	22	.	.	PUNCT
easat-9223	535	1	https://data.goodstats.id/	https://data.goodstats.id/	PROPN
easat-9223	535	2	[	[	X
easat-9223	535	3	55	55	NUM
easat-9223	535	4	]	]	X
easat-9223	535	5	i.	i.	PROPN
easat-9223	535	6	ghozali	ghozali	PROPN
easat-9223	535	7	,	,	PUNCT
easat-9223	535	8	multivariate	multivariate	VERB
easat-9223	535	9	analysis	analysis	NOUN
easat-9223	535	10	application	application	NOUN
easat-9223	535	11	with	with	ADP
easat-9223	535	12	ibm	ibm	PROPN
easat-9223	535	13	spss	spss	PROPN
easat-9223	535	14	program	program	NOUN
easat-9223	535	15	.	.	PUNCT
easat-9223	536	1	semarang	semarang	PROPN
easat-9223	536	2	:	:	PUNCT
easat-9223	537	1	badan	badan	PROPN
easat-9223	537	2	penerbit	penerbit	PROPN
easat-9223	537	3	universitas	universita	NOUN
easat-9223	537	4	diponegoro	diponegoro	PROPN
easat-9223	537	5	,	,	PUNCT
easat-9223	537	6	2016	2016	NUM
easat-9223	537	7	.	.	PUNCT
easat-9223	538	1	[	[	X
easat-9223	538	2	56	56	NUM
easat-9223	538	3	]	]	X
easat-9223	538	4	a.	a.	NOUN
easat-9223	538	5	atkinson	atkinson	PROPN
easat-9223	538	6	and	and	CCONJ
easat-9223	538	7	f.	f.	PROPN
easat-9223	538	8	messy	messy	PROPN
easat-9223	538	9	,	,	PUNCT
easat-9223	538	10	measuring	measure	VERB
easat-9223	538	11	financial	financial	ADJ
easat-9223	538	12	literacy	literacy	NOUN
easat-9223	538	13	:	:	PUNCT
easat-9223	538	14	results	result	NOUN
easat-9223	538	15	of	of	ADP
easat-9223	538	16	the	the	DET
easat-9223	538	17	oecd	oecd	PROPN
easat-9223	538	18	/	/	SYM
easat-9223	538	19	international	international	ADJ
easat-9223	538	20	network	network	NOUN
easat-9223	538	21	on	on	ADP
easat-9223	538	22	financial	financial	ADJ
easat-9223	538	23	education	education	NOUN
easat-9223	538	24	(	(	PUNCT
easat-9223	538	25	infe	infe	NOUN
easat-9223	538	26	)	)	PUNCT
easat-9223	538	27	pilot	pilot	NOUN
easat-9223	538	28	study	study	NOUN
easat-9223	538	29	.	.	PUNCT
easat-9223	539	1	paris	paris	PROPN
easat-9223	539	2	:	:	PUNCT
easat-9223	539	3	oecd	oecd	PROPN
easat-9223	539	4	publishing	publishing	NOUN
easat-9223	539	5	,	,	PUNCT
easat-9223	539	6	2012	2012	NUM
easat-9223	539	7	.	.	PUNCT
easat-9223	540	1	[	[	X
easat-9223	540	2	57	57	NUM
easat-9223	540	3	]	]	X
easat-9223	540	4	i.	i.	PROPN
easat-9223	540	5	ida	ida	PROPN
easat-9223	540	6	,	,	PUNCT
easat-9223	540	7	s.	s.	PROPN
easat-9223	540	8	zaniarti	zaniarti	PROPN
easat-9223	540	9	,	,	PUNCT
easat-9223	540	10	and	and	CCONJ
easat-9223	540	11	g.	g.	PROPN
easat-9223	540	12	e.	e.	PROPN
easat-9223	540	13	wijaya	wijaya	PROPN
easat-9223	540	14	,	,	PUNCT
easat-9223	540	15	"	"	PUNCT
easat-9223	540	16	financial	financial	ADJ
easat-9223	540	17	literacy	literacy	NOUN
easat-9223	540	18	,	,	PUNCT
easat-9223	540	19	money	money	NOUN
easat-9223	540	20	attitude	attitude	NOUN
easat-9223	540	21	,	,	PUNCT
easat-9223	540	22	dan	dan	PROPN
easat-9223	540	23	financial	financial	PROPN
easat-9223	540	24	management	management	PROPN
easat-9223	540	25	behavior	behavior	PROPN
easat-9223	540	26	generasi	generasi	PROPN
easat-9223	540	27	milenial	milenial	NOUN
easat-9223	540	28	,	,	PUNCT
easat-9223	540	29	"	"	PUNCT
easat-9223	540	30	jurnal	jurnal	ADJ
easat-9223	540	31	muara	muara	PROPN
easat-9223	540	32	ilmu	ilmu	PROPN
easat-9223	540	33	ekonomi	ekonomi	PROPN
easat-9223	540	34	dan	dan	PROPN
easat-9223	540	35	bisnis	bisnis	PROPN
easat-9223	540	36	,	,	PUNCT
easat-9223	540	37	vol	vol	NOUN
easat-9223	540	38	.	.	PROPN
easat-9223	540	39	4	4	NUM
easat-9223	540	40	,	,	PUNCT
easat-9223	540	41	no	no	INTJ
easat-9223	540	42	.	.	NOUN
easat-9223	540	43	2	2	NUM
easat-9223	540	44	,	,	PUNCT
easat-9223	540	45	pp	pp	ADJ
easat-9223	540	46	.	.	PUNCT
easat-9223	541	1	406	406	NUM
easat-9223	541	2	-	-	SYM
easat-9223	541	3	413	413	NUM
easat-9223	541	4	,	,	PUNCT
easat-9223	541	5	2020	2020	NUM
easat-9223	541	6	.	.	PUNCT
easat-9223	542	1	[	[	X
easat-9223	542	2	58	58	NUM
easat-9223	542	3	]	]	PUNCT
easat-9223	542	4	j.	j.	PROPN
easat-9223	542	5	l.	l.	PROPN
easat-9223	542	6	parrotta	parrotta	PROPN
easat-9223	542	7	and	and	CCONJ
easat-9223	542	8	p.	p.	PROPN
easat-9223	542	9	j.	j.	PROPN
easat-9223	542	10	johnson	johnson	PROPN
easat-9223	542	11	,	,	PUNCT
easat-9223	542	12	"	"	PUNCT
easat-9223	542	13	the	the	DET
easat-9223	542	14	impact	impact	NOUN
easat-9223	542	15	of	of	ADP
easat-9223	542	16	financial	financial	ADJ
easat-9223	542	17	attitudes	attitude	NOUN
easat-9223	542	18	and	and	CCONJ
easat-9223	542	19	knowledge	knowledge	NOUN
easat-9223	542	20	on	on	ADP
easat-9223	542	21	financial	financial	ADJ
easat-9223	542	22	management	management	NOUN
easat-9223	542	23	and	and	CCONJ
easat-9223	542	24	satisfaction	satisfaction	NOUN
easat-9223	542	25	of	of	ADP
easat-9223	542	26	recently	recently	ADV
easat-9223	542	27	married	married	ADJ
easat-9223	542	28	individuals	individual	NOUN
easat-9223	542	29	,	,	PUNCT
easat-9223	542	30	"	"	PUNCT
easat-9223	542	31	journal	journal	NOUN
easat-9223	542	32	of	of	ADP
easat-9223	542	33	financial	financial	ADJ
easat-9223	542	34	counseling	counseling	NOUN
easat-9223	542	35	and	and	CCONJ
easat-9223	542	36	planning	planning	NOUN
easat-9223	542	37	,	,	PUNCT
easat-9223	542	38	vol	vol	NOUN
easat-9223	542	39	.	.	PROPN
easat-9223	542	40	9	9	NUM
easat-9223	542	41	,	,	PUNCT
easat-9223	542	42	no	no	INTJ
easat-9223	542	43	.	.	NOUN
easat-9223	542	44	2	2	NUM
easat-9223	542	45	,	,	PUNCT
easat-9223	542	46	p.	p.	NOUN
easat-9223	542	47	59	59	NUM
easat-9223	542	48	,	,	PUNCT
easat-9223	542	49	1998	1998	NUM
easat-9223	542	50	.	.	PUNCT
easat-9223	543	1	[	[	X
easat-9223	543	2	59	59	NUM
easat-9223	543	3	]	]	PUNCT
easat-9223	543	4	f.	f.	PROPN
easat-9223	543	5	fathihani	fathihani	PROPN
easat-9223	543	6	and	and	CCONJ
easat-9223	543	7	r.	r.	PROPN
easat-9223	543	8	rosdiana	rosdiana	PROPN
easat-9223	543	9	,	,	PUNCT
easat-9223	543	10	"	"	PUNCT
easat-9223	543	11	pengaruh	pengaruh	VERB
easat-9223	543	12	financial	financial	ADJ
easat-9223	543	13	literacy	literacy	NOUN
easat-9223	543	14	,	,	PUNCT
easat-9223	543	15	locus	locus	NOUN
easat-9223	543	16	of	of	ADP
easat-9223	543	17	control	control	NOUN
easat-9223	543	18	,	,	PUNCT
easat-9223	543	19	lifestyle	lifestyle	PROPN
easat-9223	543	20	terhadap	terhadap	PROPN
easat-9223	543	21	financial	financial	PROPN
easat-9223	543	22	management	management	NOUN
easat-9223	543	23	behavior	behavior	NOUN
easat-9223	543	24	,	,	PUNCT
easat-9223	543	25	"	"	PUNCT
easat-9223	543	26	journal	journal	NOUN
easat-9223	543	27	of	of	ADP
easat-9223	543	28	management	management	NOUN
easat-9223	543	29	and	and	CCONJ
easat-9223	543	30	innovation	innovation	NOUN
easat-9223	543	31	entrepreneurship	entrepreneurship	NOUN
easat-9223	543	32	,	,	PUNCT
easat-9223	543	33	vol	vol	NOUN
easat-9223	543	34	.	.	PROPN
easat-9223	543	35	1	1	NUM
easat-9223	543	36	,	,	PUNCT
easat-9223	543	37	no	no	INTJ
easat-9223	543	38	.	.	NOUN
easat-9223	543	39	4	4	NUM
easat-9223	543	40	,	,	PUNCT
easat-9223	543	41	pp	pp	ADJ
easat-9223	543	42	.	.	PUNCT
easat-9223	544	1	712	712	NUM
easat-9223	544	2	-	-	SYM
easat-9223	544	3	723	723	NUM
easat-9223	544	4	,	,	PUNCT
easat-9223	544	5	2024	2024	NUM
easat-9223	544	6	.	.	PUNCT
easat-9223	545	1	https://doi.org/10.26668/businessreview/2023.v8i5.2001	https://doi.org/10.26668/businessreview/2023.v8i5.2001	PROPN
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easat-9223	545	5	https://doi.org/10.26740/jupe.v9n3.p138-144	https://doi.org/10.26740/jupe.v9n3.p138-144	NOUN
easat-9223	546	1	https://doi.org/10.1108/mrr-08-2017-0263	https://doi.org/10.1108/mrr-08-2017-0263	PROPN
easat-9223	546	2	https://doi.org/10.21067/mbr.v1i1.2043	https://doi.org/10.21067/mbr.v1i1.2043	PROPN
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