Budiyono, Rokhmad, Arini Novandalina, and Ukie Tukinah. “The Effect of Financial Literacy Financial Inclusion and Financial Management on Financial Perfomance in MSMEs in the City of Semarang”. Enrichment : Journal of Management 13, no. 2 (July 4, 2023): 1605-1617. Accessed April 20, 2026. https://enrichment.iocspublisher.org/index.php/enrichment/article/view/1491.