Analisis Pengaruh Pengetahuan Keuangan, Sikap Keuangan Dan Locus Of Control Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Di Kota Medan. Management Studies and Entrepreneurship Journal (MSEJ), [S. l.], v. 6, n. 5, p. 244–258, 2025. DOI: 10.37385/msej.v6i5.8480. Disponível em: https://journal.yrpipku.com/index.php/msej/article/view/8480. Acesso em: 25 may. 2026.