MARHENI, D. K.; FERDINAND, E.; YUWONO, W.; CRUZ II, R. B. The Psychological Pathway to MSME Sustainability: Financial Literacy and Financial Efficacy. Journal of Economics, Entrepreneurship, Management Business and Accounting, [S. l.], v. 4, n. 5, p. 627–652, 2026. DOI: 10.61255/jeemba.v4i5.1465. Disponível em: https://journal.diginus.id/JEEMBA/article/view/1465. Acesso em: 18 aug. 2026.