Rumondang, C., Juniwati, Wendy, Mustaruddin, and U. N. Mustika. “The Influence of Cross-Cultural Adaptability and Financial Socialization on Alumni Financial Behavior: The Mediating Role of Financial Literacy”. Journal of Educational Management Research, vol. 5, no. 3, May 2026, pp. 3041-53, doi:10.61987/jemr.v5i3.2275.