Franky Okto Bernando, Erick Lauren Ray, and Benny Oktaviano. 2023. “SME’S FINANCIAL BEHAVIOR; ACCESS TO FINANCE, FINANCIAL LITERACY AND FINANCIAL EXPERIENCE”. Jurnal Ekonomi 12 (04):1790-98. https://www.ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/3339.