FRANKY OKTO BERNANDO; ERICK LAUREN RAY; BENNY OKTAVIANO. SME’S FINANCIAL BEHAVIOR; ACCESS TO FINANCE, FINANCIAL LITERACY AND FINANCIAL EXPERIENCE. Jurnal Ekonomi, [S. l.], v. 12, n. 04, p. 1790–1798, 2023. Disponível em: https://ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/3339. Acesso em: 2 jun. 2025.