Agarwala, S., Amromin, G., Ben-David, I., Chomsisengphet, S., and Evanoff, Douglas D. (2010). Financial counseling, financial literacy, and household decision making. Chicago: Pension Research Council.
Atkinson, A. and Messy, F. (2012). Measuring financial literacy: results of the OECD/International Network on Financial Education (INFE) Pilot Study. Paris: OECD Publishing. Working Paper No. 15
Baker, H. K. and Nofsinger, John R. (2011). Behavioral Finance: investors, corporations, and markets. New Jersey: John Wiley & Sons.
Barberis, N. and Thaler, R. (2002). A survey of behavioral finance. Massaachusetts: National Bureau of Economic Research. Working Paper No. 922
Budiono, Tania. (2014). Keterkaitan Financial Attitude, Financial Behavior, dan Financial Knowledge pada Mahasiswa Strata I Universitas Atmajaya Yogyakarta. Yogyakarta: Universitas Atmajay
Bulte, E. H., Lensink, R., and Sayinzoga, A. (2016). Financial literacy and financial behavior: experimental evidence from rural Rwanda. UK: Wiley-Blackwell for the Royal Economic Society. The Economic Journal Vol 126.
Chaulagain, Rameesh P. (2015) Financial literacy for increasing sustainable access to finance in Nepal. Nepal: NRB Economic Review.
Chen, H., and Volpe, R.P. (1998). An analysis of personal financial literacy among college students. Ohio: Financial Services Review.
Cooper, Donald R. and Schindler, Pamela S. (2008). Business Research Methods. New York: McGraw-Hill.
Dew, J. and Xiao, Jing J. (2011). The financial management behavior scale: development and validation. Utah: Utah State University.
Farrell, L., Risse, L., and Tim, R.L. (2015). The significance of financial self-efficacy in explaining women’s personal finance behavior. Amsterdam: Elsevier, Journal of Economic Psychology. Vol. 54. 
Ferli, O. and Nursanti, Tinjung D. (2017). Analisis Tingkat Literasi Keuangan Berdasarkan Faktor-faktor Demografi Serta Pengaruhnya Terhadap Perilaku Keuangan Mahasiswa STIE Indonesia Banking School. Semarang: Forum Manajemen Indonesia.
Fromm, Erich. (1955). The Sane Society. New York City: Holt Paperbacks.
Gerrans, P. and Heaney, R. (2016). The Role of Undergraduate Personal Finance Education in Financial Literacy, Financial Attitude, and Financial Behaviors. Australia: University of Western Australia.
Goertz, Christine M., Lawrence, Dana J., Lorence J., and Salsbury, Stacie A. (2014). Financial attitudes, knowledge, and habits of chiropractic students: a descriptive survey. Illinois: J. Can Chiropractic Association. Vol. 58.
Hair, J., Anderson, R., Tatham, R., and Black W. (2006). Multivariate data analysis. New Jersey: Pearson-Prentice Hall
Heck, Ramona. (1984). The determinants of financial management behaviors among college students: implications for consumer education. New York: Cornell University.
Hung, A., Parker, Andrew M., dan Yoong, J. (2009). Defining and measuring financial literacy. California: RAND Working Paper.
Huston, S.J. (2010). Measuring financial literacy. New Jersey: Journal of Consumer Affair. Vol. 44
Ida, and Dwinta, Y. (2010). Pengaruh Locus of Control, Financial Knowledge, dan Income terhadap Financial Management Behavior. Jakarta: Jurnal Bisnis dan Akuntansi Vol 12. No. 3.
Lusardi, A. and Mitchell, Olivia S. (2007). Financial literacy and retirement preparedness: evidence and implications for financial education. New Hampshire: Darthmouth College.
Lusardi, A., Mitchell, Olivia S., and Curto, V. (2009). Financial literacy among the young: evidence and implications for consumer policy. Massachusetts: National Bureau of Economic Research.
Montoya, R. and Soledad, M. (2017). Handbook of Research on Driving STEM Learning with Educational Techonologies. Meksiko: Techonologico de Monterrey, IGI Global
Nemeth, E., Luksander, A., and Zsoter, Boglarka. (2017). Financial personality types and attitudes that affect financial indebtedness. India: International Journal of Social Science and Economic Research Vol. 2 Issue 09.
Organization for Economic Co-operation and Development (OECD). (2012). OECD/INFE High Level Principles on National Strategies for Financial Education. Paris: OECD Publishing.
Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Jakarta : Otoritas Jasa Keuangan.
Potrich, A.C.G., Medes-Da-Silva, W., and Vieira, K.M. (2016). Development of a financial literacy model for university students. Management Research Review.
Ricciardi, V. and Simon, Helen K. (2000). What is behavioral finance? Florida: Business, Education & Technology Journal. Vol. 2. 
Shaari, N.A., Hasan, N.A., Mohamed., R., and Sabri., M. (2013). Financial literacy: a study among the university students. Malaysia: Interdisciplinary Journal of Contemporary Research in Business. Vol. 5.
Shockey, Susan S. (2002). Low-wealth adults’ financial literacy, money management behaviors, and associated factors, including critical thinking. Ohio: Disertasi Doktoral yang belum terpublikasi.
Tezel, Zeynep. (2015). Financial Education for Children and Youth. Turki: IGI Global.
Thapa, Bharat Singh. (2015). Financial literacy in Nepal: a survey analysis from college students. Nepal: Nrb Economic Review.
Trihendradi. (2011). Langkah mudah melakukan analisis statistik: menggunakan SPSS 19. Yogyakarta: ANDI.
Xiao, J. J., Noring, F.E., and Anderson, J.G. (1995). College students’ attitudes towards credit cards. New England: Journal of Consumer Studies and Home Economics.