THE EFFECTS OF FINANCIAL LITERACY, EXPECTED RETURN, AND PERCEIVED RISK ON GOLD INVESTMENT INTENTION IN THE PEGADAIAN DIGITAL APPLICATION. JIMBIEN: JURNAL MAHASISWA MANAJEMEN, BISNIS, ENTREPRENEURSHIP, [S. l.], v. 5, n. 1, p. 174–188, 2026. DOI: 10.36563/24z4r797. Disponível em: https://journal.unita.ac.id/index.php/jimbien/article/view/2243. Acesso em: 11 oct. 2026.