ZAGORCHEVA-KOYCHEVA, D. AN INNOVATIVE MODEL FOR FORMING FINANCIAL LITERACY: AN INNOVATIVE MODEL FOR FORMING FINANCIAL LITERACY. JOURNAL SCIENTIFIC AND APPLIED RESEARCH, [S. l.], v. 29, n. 1, p. 148–157, 2025. DOI: 10.46687/jsar.v29i1.465. Disponível em: https://jsar.ftn.shu.bg/ojs-3.3.0-7/index.php/jsar/article/view/465. Acesso em: 6 dec. 2025.