PANDEY, Kshitija; VASWANI, Anju; MOTWANI, Anju. How Financial Literacy Shapes Financial Planning Practices : A PLS-SEM Study of Higher Education Teachers. Indian Journal of Finance, [S. l.], v. 20, n. 7, p. 64–84, 2026. DOI: 10.17010/ijf/2026/v20i7/176067. Disponível em: https://www.indianjournaloffinance.co.in/index.php/IJF/article/view/176067. Acesso em: 14 aug. 2026.