Kinanti, Kartika Ayu, and Ayu Nareswari. “Integrating Financial Literacy Aspects in Small And Medium Enterprise Capital Budgeting”. Management Studies and Entrepreneurship Journal (MSEJ) 4, no. 6 (November 20, 2024): 8492–8502. Accessed January 22, 2026. https://journal.yrpipku.com/index.php/msej/article/view/3584.