Friana, R., Gurendrawati, E. and Widyastuti, U. (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), pp. 448–468. doi: 10.47353/ijema.v3i6.359.