Azizah, Farinda Hauna, et al. “Factors Affecting Financial Behavior of Micro, Small and Medium Enterprises (MSMEs): The Role of Financial Inclusion, Financial Literacy and Financial Technology”. Jurnal Ilmu Manajemen Advantage, vol. 8, no. 2, Dec. 2024, pp. 113-28, doi:10.30741/adv.v8i2.1333.