CHRISTINE, Christine; ZUKHRI, Nizwan; SAPUTRA, Darman. Factors Affecting the Financial Performance of MSMES: Financial Literacy, Financial Inclusion, Financial Self-Efficacy, Financial Technology, Credit Granting, and Intellectual Capital. Almana : Jurnal Manajemen dan Bisnis, [S. l.], v. 8, n. 2, p. 341–357, 2024. DOI: 10.36555/almana.v8i2.2602. Disponível em: https://journalfeb.unla.ac.id/index.php/almana/article/view/2602. Acesso em: 25 dec. 2025.