“THE IMPACT OF FINANCIAL PLANNING, DEBT MANAGEMENT, AND LIQUIDITY ON UNIVERSITY FINANCIAL EFFECTIVENESS AND SUSTAINABILITY”. Lex localis - Journal of Local Self-Government 23, no. S6 (October 3, 2025): 7842–7861. Accessed August 14, 2026. https://lex-localis.org/index.php/LexLocalis/article/view/802996.