MSOMI, T. S.; CLOETE, M. B. . Examination of Influential Factors Shaping Savings Culture among Selected First-Year UoT Students in South Africa. Journal of Ecohumanism, [S. l.], v. 4, n. 4, p. 1534 –, 2025. DOI: 10.62754/joe.v4i4.6889. Disponível em: https://ecohumanism.co.uk/joe/ecohumanism/article/view/6889. Acesso em: 5 mar. 2026.