Rita Sarlawa is a lecturer at the University of Palangka Raya (UPR) and is currently pursuing her doctoral studies (Ph.D.) at Hasanuddin University (UNHAS). Rita Sarlawa, a lecturer at the University of Palangka Raya (UPR), is currently pursuing a Ph.D. at Hasanuddin University (UNHAS) with a research focus on financial well-being and behavior. Her research focuses on the topics of 'financial wellbeing' and 'financial behavior.'