id	keyword
ijtc-1056	financial
ijtc-1056	self
ijtc-1056	literacy
ijtc-1056	students
ijtc-1056	efficacy
ijtc-1056	behavior
ijtc-1056	journal
ijtc-1056	finances
ijtc-1056	international
ijtc-1056	https://www.ilomata.org/index.php/ijtc
ijtc-1056	management