Hariani, Swarmilah, Swarmilah Hariani, A Fakhrorazi, Rusdi Omar, Hafiz Abdul Samee Malik, and Apollo Daito. 2026. “The Interplay Between Money Attitudes, Financial Management Behaviour and Financial Well‑Being: The Moderator Effect of Financial Risk Tolerance”. Business, Management & Accounting Journal (BISMA) 3 (1): 13-26. https://doi.org/10.70550/bisma.v3i1.124.