DR. FRANCIS M C; HARIKRISHNA S; DR. SOMASEKHARAN T M; MARIYA M A. Financial Literacy and Money Management of Lower Income Households: A Study in Ernakulam, Kerala. Journal of Scientific Research and Technology, [S. l.], v. 3, n. 9, p. 119–126, 2025. Disponível em: https://jsrtjournal.com/index.php/JSRT/article/view/321. Acesso em: 28 sep. 2025.