NINGSIH, Ratna. The Effect of Financial Knowledge, Financial Skill, Financial Attitude, and Time Preference on Investment Intention With Perceived Risk as a Moderating Variable. Journal of Economics and Social Sciences (JESS), [S. l.], v. 5, n. 1, p. 310–318, 2026. DOI: 10.59525/jess.1576. Disponível em: https://journal.civiliza.org/index.php/jess/article/view/1576. Acesso em: 18 may. 2026.