FARDILA, U.; PURMONO, B. B.; SYAHPUTRI, A.; RISTYAWAN, M. R.; MUSTIKA, U. N. Financial Literacy and Financial Inclusion for MSME Financial Behavior: The Strategic Role of E-Wallet Adoption . Journal of Educational Management Research , [S. l.], v. 5, n. 5, p. 5648–5662, 2026. DOI: 10.61987/jemr.v5i5.2922. Disponível em: https://serambi.org/index.php/jemr/article/view/2922. Acesso em: 25 oct. 2026.