Sambayu, Indika, and Liana Mangifera. “Determinan Financial Management Behavior Pada UMKM Di Surakarta: Pendekatan PLS-SEM”. Jesya (Jurnal Ekonomi dan Ekonomi Syariah) 9, no. 1 (January 27, 2026): 164-177. Accessed May 14, 2026. https://stiealwashliyahsibolga.ac.id/jurnal/index.php/jesya/article/view/2536.