Maria M. THE EFFECT OF MATERIALISM AND FRUGALITY ON OVER-INDEBTEDNESS. THE MODERATING ROLE OF FINANCIAL LITERACY. Jurnal Ekonomi [Internet]. 2023 Apr. 26 [cited 2026 Jul. 26];12(02):1160-7. Available from: https://www.ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/1478