Namsa, Arnoldus, Risal Rinova, and Pristsin Prima Sari. “Financial Literacy and Income As Economic Factors Shaping MSME Investment Choices in Yogyakarta”. International Journal of Economics Development Research (IJEDR) 6, no. 2 (March 6, 2025): 635–646. Accessed July 12, 2025. https://journal.yrpipku.com/index.php/ijedr/article/view/7296.