Maftuhin, M. and Kusumawardani, D. 2022. Household Saving Behavior on Formal Financial Institutions in Urban and Rural Areas. Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi. 17, 1 (Mar. 2022), 40–53. DOI:https://doi.org/10.24269/ekuilibrium.v17i1.2022.pp40-53.