Etty Sri Wahyuni, Henry Aspan and Faris Ramadhan (2026) “FINANCIAL BEHAVIORAL BIASES (PRESENT BIAS AND OVERCONFIDENCE) ON CONSUMER DEBT DECISION MAKING AMONG MANUFACTURING WORKERS IN BATAM”, International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS), 6(2), pp. 520–529. Available at: https://radjapublika.com/index.php/IJEBAS/article/view/5509 (Accessed: 21 April 2026).