TRINH, T. H.; DO, T. T. FACTORS AFFECTING PERSONAL FINANCIAL MANAGEMENT SKILLS OF STUDENTS AT HONG DUC UNIVERSITY. Hong Duc University Journal of Science, [S. l.], v. 83, n. 1, p. 40-49, 2026. DOI: 10.70117/hdujs.83.1.2026.865. Disponível em: https://hdujs.edu.vn/index.php/hdujs/article/view/865. Acesso em: 15 apr. 2026.