Yuttama, Faizal Rizky, Yusniar Lubis, and Nagian Toni. “Financial Digitalization and Literacy in MSMEs Financial Decision-Making: The Mediating Role of Self-Efficacy”. Globe Forum 1, no. 1 (August 8, 2026): 53–72. Accessed August 9, 2026. https://ejournal.uhb.ac.id/index.php/globeforum/article/view/2441.