Setiyani, D., & 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), 477–493. https://doi.org/10.37385/msej.v7i1.10039