Setiyani, D. and Imronudin, I. 2026. Pengaruh Financial Literacy Dan Penggunaan Financial Technology Terhadap Financial Perfomance UMKM Di Kota Surakarta Melalui Financial Behavior Sebagai Variabel Mediasi. Management Studies and Entrepreneurship Journal (MSEJ). 7, 1 (Jan. 2026), 477–493. DOI:https://doi.org/10.37385/msej.v7i1.10039.