AENI, Nurul Nur; INNAYAH, Maulida Nurul. Factors Affecting Financial Literacy of MSMEs: A Conceptual Framework. Proceedings Series on Social Sciences & Humanities, [S. l.], v. 7, p. 9–15, 2022. Disponível em: https://conferenceproceedings.ump.ac.id/pssh/article/view/466. Acesso em: 6 nov. 2025.