PRATIWI, A.; NURULRAHMATIAH, N. . Financial Literacy, Inclusion, and Competence in Driving MSME Sustainability: A Mediation–moderation Model of Financial Self-efficacy. Owner : Riset dan Jurnal Akuntansi, [S. l.], v. 9, n. 4, p. 3046-3058, 2025. DOI: 10.33395/owner.v9i4.2796. Disponível em: https://owner.polgan.ac.id/index.php/owner/article/view/2796. Acesso em: 2 oct. 2025.