The Effect of Financial Literacy on Risky Credit Behavior Through Financial Self-Efficacy Mediation Analysis at Home Credit Indonesia (HCI). West Science Business and Management, [S. l.], v. 4, n. 03, p. 449–465, 2026. DOI: 10.58812/wsbm.v4i03.3098. Disponível em: https://wsj.westsciences.com/index.php/wsbm/article/view/3098. Acesso em: 13 oct. 2026.