Nugroho, Dwi, et al. “Religiosity, Religious Identity, and Financial Literacy: The Mediating Role of Moral Values in Trust in Financial Institution and Financial Governance”. ICSIGER- International Conference on Science and Emerging Technology , vol. 1, no. 1, Dec. 2025, https://conference.lppm.unila.ac.id/index.php/icsiger/article/view/203.