CECHARIA, N.; VIOLITA, C. E.; M. MUSTAQIM; PUTRIHADININGRUM, D. C. The Impact of Financial Literacy, Inclusion, and Credit Access on MSME Performance . Journal of Educational Management Research , [S. l.], v. 5, n. 4, p. 4083–4097, 2026. DOI: 10.61987/jemr.v5i4.2559. Disponível em: https://serambi.org/index.php/jemr/article/view/2559. Acesso em: 24 jun. 2026.