Kusuma, Annisa Ayu, Tuti Anggraini, and Andri Soemitra. 2025. “Generation Z Preferences in Financial Risk Management (A Comparative Study of Emergency Funds and Sharia Insurance)”. SERAMBI: Jurnal Ekonomi Manajemen Dan Bisnis Islam 7 (3):259-74. https://doi.org/10.36407/serambi.v7i3.1759.