Hidayanti, Febriana, Naelati Tubastuvi, Sri Wahyuni, and Suryo Budi Santoso. “The Impact of Religiosity, Risk Tolerance, Financial Behavior, and Locus of Control on Sharia Investment Decisions: The Moderating Role of Financial Literacy”. Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit 12, no. 1 (March 31, 2025): 54–79. Accessed December 5, 2025. http://journal2.uad.ac.id/index.php/reksa/article/view/11329.