Friana, R. et al. 2025. Analysis of the Determinants of People’s Tendency to Go into Debt Mediated by Materialism and Moderated by Financial Literacy. International Journal of Economics, Management and Accounting (IJEMA). 3, 6 (Nov. 2025), 448–468. DOI:https://doi.org/10.47353/ijema.v3i6.359.