Fardila, Uni, Bintoro Bagus Purmono, Anggraini Syahputri, M. Ridwan Ristyawan, and Uray Ndaru Mustika. “Financial Literacy and Financial Inclusion for MSME Financial Behavior: The Strategic Role of E-Wallet Adoption”. Journal of Educational Management Research 5, no. 5 (August 16, 2026): 5648–5662. Accessed August 27, 2026. https://serambi.org/index.php/jemr/article/view/2922.