Siti Ainafizah Eka Putri, Rajindra, Rasmi Nur Anggraeni and Nur Rizkianti 2026. The Influence of Lifestyle, Peers, and Self-Control on the Effectiveness of Students’ Personal Financial Management at Muhammadiyah University of Palu. International Journal of Health, Economics, and Social Sciences (IJHESS). 8, 3 (Jul. 2026), 984~993. DOI:https://doi.org/10.56338/ijhess.v8i3.11981.