“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, vol. 5, no. 1, June 2026, pp. 174-88, https://doi.org/10.36563/24z4r797.