Fernando, Generose C., and Gilbert S. Arrieta. “Income, Expenses and Expenditure Patterns of Elementary Public-School Teachers: Inputs to a Proposed Financial Literacy Program”. International Journal of Social Learning (IJSL) 4, no. 1 (December 23, 2023): 129–141. Accessed April 19, 2025. https://ijsl.pubmedia.id/index.php/ijsl/article/view/226.