Helvianto, Ahmad Wimbo, and Aniza Nur Madyanti , trans. “The Influence of Financial Literacy, Risk Tolerance, and Investment Planning on the Accumulation of Capital in Indonesian Middle Class”. West Science Interdisciplinary Studies 2, no. 12 (December 31, 2024): 2463–2472. Accessed December 6, 2025. https://wsj.westsciences.com/index.php/wsis/article/view/1539.