Zagorcheva-Koycheva, Denitsa. “AN INNOVATIVE MODEL FOR FORMING FINANCIAL LITERACY: AN INNOVATIVE MODEL FOR FORMING FINANCIAL LITERACY”. JOURNAL SCIENTIFIC AND APPLIED RESEARCH 29, no. 1 (November 16, 2025): 148–157. Accessed December 6, 2025. https://jsar.ftn.shu.bg/ojs-3.3.0-7/index.php/jsar/article/view/465.