Judijanto , Loso. “Degrees Without Guaranteed Prosperity? Tertiary Educational Attainment and the Uneven Conversion of Human Capital Into Local Welfare Across Indonesian Regencies”. International Journal of Applied Economics, Accounting and Management, vol. 4, no. 5, Oct. 2026, pp. 413-42, doi:10.59890/ijaeam.v4i5.5.