Pratiwi, A., & Nurulrahmatiah, N. . (2025). Financial Literacy, Inclusion, and Competence in Driving MSME Sustainability: A Mediation–moderation Model of Financial Self-efficacy. Owner : Riset Dan Jurnal Akuntansi, 9(4), 3046-3058. https://doi.org/10.33395/owner.v9i4.2796