00564naa#a2200181#i#450# EN\\bibl\111860 20260113111120.2 2221-3260 20251231b2025####ek#y0engy0150####ca RU Financial competence as a factor of personal economic security Journal article Yaroslavl Yaroslavl State Technical University 2025 15 с. Journal article local Reutova Irina Mihaylovna Elkina Olga Sergeevna Elkin Stanislav Evgenevich chemintech.ru