AENI, N. N.; INNAYAH, M. N. Factors Affecting Financial Literacy of MSMEs: A Conceptual Framework. Proceedings Series on Social Sciences & Humanities, [S. l.], v. 7, p. 9–15, 2022. DOI: 10.30595/pssh.v7i.466. Disponível em: https://conferenceproceedings.ump.ac.id/pssh/article/view/466. Acesso em: 21 jul. 2025.