Wiryono, Sudarso Kaderi, Mandra Lazuardi Kitri, Santi Novani, Prawira Fajarindra Belgiawan, and Marla Setiawati. 2020. “Cultural Influences on Risk Tolerance: Evidence for Students in Indonesia”. International Review of Management and Marketing 10 (5):1-4. https://econjournals.org.tr/index.php/irmm/article/view/10224.