Etty Sri Wahyuni, Henry Aspan, Faris Ramadhan. FINANCIAL BEHAVIORAL BIASES (PRESENT BIAS AND OVERCONFIDENCE) ON CONSUMER DEBT DECISION MAKING AMONG MANUFACTURING WORKERS IN BATAM. IJEBAS [Internet]. 2026 Apr. 19 [cited 2026 Aug. 12];6(2):520-9. Available from: https://radjapublika.com/index.php/IJEBAS/article/view/5509