Yusril Ramdani, Indah Ariffianti, and Baiq Desthania Prathama. “Pengaruh Financial Knowledge, Financial Behavior Dan Financial Attitude Terhadap Personal Financial Management Pada UMKM”. Kredibel: Jurnal Ilmiah Manajemen 3, no. 1 (December 17, 2024): 215–226. Accessed October 15, 2025. https://journal.stieamm.ac.id/kredibel/article/view/492.