Melza Horiza Sastradiredja, S.E., MBA, and Dr. Raden Aswin Rahadi, S.T., MBA. 2021. “DETERMINING THE FINANCIAL PERSONALITY AND THE OVER-INDEBTEDNESS FACTORS AMONG INDONESIANS”. International Journal of Accounting, Finance and Business 6 (32). https://academicinspired.com/ijafb/article/view/287.