Income’s Role in Mediating Consumption, Education, and Credit Effects on Household Savings. Efficient: Indonesian Journal of Development Economics, [S. l.], v. 8, n. 1, p. 78–79, 2025. DOI: 10.15294/nj9ynx19. Disponível em: https://journal.unnes.ac.id/journals/efficient/article/view/16034. Acesso em: 5 dec. 2025.