HARTANTRI, R. .; SETYADI, B.; GUNARTO, M. Analysis of the Effect of Frugal Living on Employee Financial Management in Achieving Financial Freedom. International Journal of Finance Research, [S. l.], v. 5, n. 1, p. 103 - 113, 2024. DOI: 10.47747/ijfr.v5i1.1700. Disponível em: https://www.journal.jis-institute.org/index.php/ijfr/article/view/1700. Acesso em: 7 oct. 2026.