Ugli, K. S. F., N. Siska Nurhayati, and T. A. Qurbonovich. “A Descriptive Analysis of Student Perceptions of Cryptocurrency As a Tool for Financial Inclusion and Government Efficiency”. Management Studies and Entrepreneurship Journal (MSEJ), vol. 7, no. 4, Apr. 2026, pp. 1043-5, doi:10.37385/msej.v7i4.10865.