FRIANA, Rita; GURENDRAWATI, Etty; WIDYASTUTI, Umi. 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), [S. l.], v. 3, n. 6, p. 448–468, 2025. DOI: 10.47353/ijema.v3i6.359. Disponível em: https://ij.lafadzpublishing.com/index.php/IJEMA/article/view/359. Acesso em: 10 feb. 2026.