id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
hassl-3515	Hadianto, Bram ; Herlina, Herlina ; Mariana, Ana ; Tjahyadi, Rully Arlan ; Tjun, Lauw Tjun 	Financial literacy, self-control, self-esteem, and credit card utilization 	2023	13	.pdf	application/pdf	7169	429	56	Besides, internal and external marketing is needed to attract female employees working at similar banks or other banks that cannot issue credit cards. The utilization of credit cards by individuals includes not only the acquisition of goods, payment for services, and cash withdrawals in advance but also encompasses the many methods of billing payments, whether in their entirety or thorough installment plans.	cache/hassl-3515.pdf	txt/hassl-3515.txt