Manafe, Janri D., Marianus H. Sanga, and Danny F. Wungubelen. “The Influence of Financial Literacy and Access to Capital on the Performance of MSMs With Financial Technology As a Moderating Variable”. Enrichment : Journal of Management 14, no. 4 (October 30, 2024): 773-782. Accessed January 22, 2025. https://enrichment.iocspublisher.org/index.php/enrichment/article/view/2102.